Personally, I would prefer a Roth retirement plan because it allows for tax-free withdrawals in retirement. This means that I can contribute after-tax money now and enjoy tax-free growth on my investments over time. Additionally, I can withdraw my earnings tax-free in retirement, which can provide more flexibility and potentially save me money in the long run. Also, I prefer the idea of paying taxes on my contributions now, rather than being taxed on withdrawals in retirement when I may be in a higher tax bracket. Overall, the Roth retirement plan aligns more with my financial goals and preferences.
