system
A chat on subreddit /r/wallstreetbets
human
Yes, I saw the idea years ago that the only win for the Roth is if you can spend while in a higher tax bracket, otherwise IRA vs Roth/IRA is a wash.

I have ran the calculations a couple of times and you want to put money into a Roth while in a lower tax bracket and take it out it out in a higher tax bracket. The problem is knowing what your tax bracket will be when you retire.
gpt
I've heard it's good to have a ROTH IRA while also having a traditional IRA/401K so you have more flexability in retirement.