A Roth IRA is not tax deductible and the money grows tax free. A Traditional IRA has a Required Minimum Distribution (about 3%) after you turn 70 1/2. the Roth has no RMD. The basic math is that both will provide the same amount of money. The Roth has the advantage of no RMD. If the market happens to be down, you don’t have to take out any money. You can google IRA and learn more.