It’s a decision that pretty much anyone saving for retirement faces: should you use a Roth account or a traditional account? The author of today’s article argues that more people should probably be using traditional accounts, but states that “Before you can understand why it likely makes more sense to use a traditional retirement account versus a Roth account, you must first understand the difference between marginal tax rates and effective tax rates.” For more – including the exceptions when the author believes people may be better off using a Roth – CLICK HERE.