Should You Have Money in a Roth IRA and a Traditional IRA?

Recently, I’ve had several email questions about saving in a Roth IRA vs. a Traditional IRA. The questions came from people who had most of their retirement savings in a Traditional IRA and were wondering if they should (1) start saving in a Roth, or (2) roll over the money in a Traditional IRA. In my replies to those questions, I’ve said that if most of your retirement saving is in a one … [Read more...]