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Her money is supported by Fidelity Investments.

We're committed to sparking important conversations about money and inspiring you to always be in the financial front seat.

Learn more at Fidelity.com slash Front Seat. See? Hey everybody welcome to

welcome to her money mail bag Kelly and I are wrapping up a week of answering your questions we've've had a lot of fun. We hope you keep them

coming. And how much headway did we make in our mailbox this week?

Personally, not as big of a dent, but that's a good problem. We're going to do more of these

shows, we're going to explore other ways to answer, but I mean a dent.

A dent. It was positive, but we love hearing from you.

So, yeah, we don't want it to slow down by any means.

And also, happy Friday.

Happy Friday.

Our first question is from Grace, who is a between contributing to a regular or Roth IRA, you and others say it depends on your tax

bracket in retirement compared to now, but exactly how does one figure that out?

Yeah, I know. I know, Grace. I wish I had a crystal ball because essentially you're right. I mean, we're making so many assumptions and predictions when we ask anybody to answer a question like this.

In general, you're going to have the highest tax rate when you have the highest income.

And the assumption that people like me me and we all know what happens

when you assume but the assumption that people like me make is that after you stop working your

tax bracket will go down because you will have less income.

Now if you've saved like a crazy person or even just like a person who is instructed to save in a particular way and you go about it and you do really well in your investments and you perhaps work a little bit in retirement as two-thirds of people are doing these

days, it is possible that your tax bracket will not go down and it is also possible that tax rates will go up in general

and those are the variables that we are working toward and that's why you might want to think about

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