Hey, Joe, if your marginal tax rate today is high, but in retirement, your effective tax rate is going to be a lot lower, do you think that's a case for bucking conventional wisdom?

Ooh, I don't like the premise of your question.

Because, you know, there are people who would say if your marginal tax rate today is high, but your effective tax rate and retirement is lower, then why contribute to a Roth? Why do it?

Hmm, very interesting. I know you well enough to know. That, hmm, signifies the restraint that comes right before a rant.

Me? I don't rant. We will see whether or not that statement is true in the next few minutes.

Welcome to the Afford Anything podcast, the show that understands you can afford anything,

but not everything. Every choice carries a tradeoff and that applies to your time, money,

focus, and energy. This show covers five pillars, financial psychology, increasing your

income, investing, real estate, and entrepreneurship.

It's double eye fire.

I'm your host, Paula Pant.

Every other episode, we answer questions from you, and we do so with my buddy, the former financial planner, Joe Saul C-high.

What's up, Joe?

What's up, Paula?

You know, we're two months away from tax day.

Yeah, we're kind of in early tax season, I would say.

Exactly.

Yeah, it's the beginning of tax season.

And so naturally taxes are on people's mind.

And that leads to this question about Roth now or Roth later from Jesse.

Hey, Paula and Joe.

This is Jesse from Seattle. I recently started listening to both of your

...