No. A traditional IRA is just fine. I believe the reason the government Invented the Roth is to curb us from tax write offs I.e. Pay more in taxes.The government wants your cash up front so they forbid you to write off depositing into your Roth but they promise not to tax you later which is when you are 65 you can take it out tax free from your Roth account.With Traditional IRA you can write off 3,000 for you and 3,000 for your spouse per year. That's a $6,000 income free of taxes each year. If you compound the benefits here for decades you can easily outperform the tax break of the Roth with the traditional IRA but few people think this way or have a mind for math at all.I use the Traditional IRA. When the Roth came out I didn't buy into that deal and I have not regretted it. I trade for a living so my IRA could be millions by the time I retire and I plan to hire a good Trump attorney to give me all the tax writeoffs I can get when I withdrawal.Remember, consider you can still trade your IRA into millions, pay zero taxes and get the tax deduction every year for deposits while doing so. It's only taxible when you withdrawal. Itu2019s taxable income. So the Traditional IRA vs Roth only depends on your philosophy. I have an advisor that says they will do away with the Traditional IRA so take advantage while you can is my advice.You also mentioned 401k so here is where some companies u2018matchu2023 your deposits with theirs. It's free money so this is a no brainer. If you can get free money max your contrabution here first. Thanks for the question.