Which retirement account but analyze: tax situation? Map Roth vs. traditional: current tax rate vs. retirement rate vs. optimal choice. Calculate: Roth tax-free growth vs. traditional tax deduction vs. best for me. Show me the Roth traditional reality: depends on income and tax rates. Give me the truth: choose based on my current vs. future tax rate. Include: what my tax situation suggests, whether Roth or traditional better, if should split contributions.