Direct answer
Traditional IRA contributions may be tax-deductible with taxed withdrawals; Roth IRA contributions are after-tax with tax-free qualified withdrawals in retirement.
Traditional IRA: Contributions may be tax-deductible; withdrawals in retirement are taxed as ordinary income. Roth IRA: Contributions are made with after-tax dollars; qualified withdrawals in retirement are tax-free. The right choice depends on your current vs. expected future tax bracket.
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