"Should I do Roth or traditional?" is the most argued-about question in personal finance, and almost every answer you've read is the same sentence:
"Roth if you think taxes will be higher later."
Technically true. Completely useless.
Giphy
Nobody knows what tax rates look like in 2050.
So let's do this the honest way: the actual math (it's not what you think), the five situations where Roth clearly wins, the three where it quietly loses, and a percentage framework you can use today.
Let's go. 👇