I've just started at <a href=" http://awsg.org.au/vytorin-statin.pdf#comply ">vytorin 10</a> Typically, if your income is lower than you expect it to be over the course of your working life (for example, you&rsquo;re just entering the workforce), you&rsquo;re better off with a Roth. If you&rsquo;re in a higher tax bracket, traditional is preferable. One exception is if you think your income will fall drastically in the next few years (you&rsquo;re going to grad school or taking time off to be with your family). In that case, you&rsquo;re better off putting your money in a traditional account and &ldquo;rolling over&rdquo; to a Roth during your low-tax-bracket years.