The key difference is simple: Roth usually means tax now, tax-free qualified withdrawals later. Traditional usually means possible tax benefit now, taxes later.
Why the decision matters
This is not just an account-label issue. It shapes how retirement income will feel decades from now and how much tax flexibility you may have later.
Bottom line
Roth often appeals when future tax-free withdrawals matter more than current deductions. Traditional can be stronger when reducing taxable income now is more valuable.