> If your current tax bracket is rather low, or you expect to be earning lots of money through retirement, then Roth IRA can be a better solution.
I think for a typical "geek" who this article is about, rare is the scenario where you expect to be making that much more by (and throughout) retirement to justify taking the tax hit now. Maybe this works for a doctor who's doing residency and still paying for medical school, who eventually expects to be raking it in. But for tech workers our compensation tends to plateau very early and not grow a great deal throughout our careers. I know on a percentage basis, my comp grew more in my first 5 years than it has in the last 15. This scenario would appear to encourage tax-deferred investment.
I think for a typical "geek" who this article is about, rare is the scenario where you expect to be making that much more by (and throughout) retirement to justify taking the tax hit now. Maybe this works for a doctor who's doing residency and still paying for medical school, who eventually expects to be raking it in. But for tech workers our compensation tends to plateau very early and not grow a great deal throughout our careers. I know on a percentage basis, my comp grew more in my first 5 years than it has in the last 15. This scenario would appear to encourage tax-deferred investment.