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James and Kalamazoo Michigan, hi Jane, welcome to the Ramsey show.

Hi, thank you for taking my call.

Sure, what's up?

Well, I've been listening to you for a little while now and you seem to favor a Roth IRA

over a traditional IRA quite frequently.

I know the differences.

I'm wondering why you tend to favor the Roth and I could tell you why my financial advisor

originally called my money into a traditional, if you want to hear that.

Now, it's possible that your financial advisor fell in the same hole that other financial

advisors fell in and couldn't get out.

And that hole was the in order for the traditional to work out ahead of the Roth mathematically,

you have to be in a lower tax bracket dramatically at retirement than you are now a dramatically

lower tax bracket, which by the way means you haven't got any money.

Because if you've got $5 million, your required minimum distributions at 70 and a half

are going to put you in the same tax bracket you're in now.

So you're not going to be in a lower tax bracket.

And so the Roth absolutely mathematically kicks the traditional's butt.

And here's why, if you take $200 a month from age 65 to age 65, 40 years and you invest

...