If you plan on more income or higher taxes in retirement, tax-free withdrawals from Roth contributions may make sense, and tax-deferredtax-deferredTax deferral refers to instances where a taxpayer can delay paying taxes to some future period. In theory, the net taxes paid should be the same. Taxes can sometimes be deferred indefinitely, or may be taxed at a lower rate in the future, particularly for deferral of income taxes.https://en.wikipedia.org › wiki › Tax_deferralTax deferral - Wikipedia contributions may be better if you expect lower earnings and levies.