The IRS gives you two options:
Roth or Traditional.
Pick wrong, and you pay for it later.

Roth IRA:
Pay taxes now.
Grow it tax-free.
Withdraw it tax-free.

Traditional IRA:
Skip taxes now,
but the bill comes due later.

If you're under the income limit,
you can go direct to Roth.
If not,
you use the backdoor.

Contribution limits:
$7,000 if you're under 50.
$8,000 if you're over.

Just getting started?
Roth is the move.

Already sitting on a big pretax pile?
Start planning your conversions.

Because tax deferral without strategy
just builds a bigger problem to solve later.