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The younger you are, the more you can benefit from Roth accounts because they’re funded with after-tax dollars, which accumulate investment earnings tax-free for the life of the investment, said Ritt. That makes them a great option if you expect to have a higher tax rate in retirement than you do now. By tapping your Roth account before your taxable account, you decrease the amount of distributed funds you’ll pay tax on for that year.
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