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@ahumbleheart Roth vs Traditonal is a question on current and future tax brackets not age, per se. Given that OPs contributions will grow for so long, and their tax bracket is relatively low right now, I’d do Roth. In other words OP is likely to have significantly more retirement income...

@forchristianfellowship I like the idea of maxing a Roth every year you can. At 21 in this market, I’d be considering living cheap with a roommate vs buying. But that’s personal. You’re saving a lot of money yearly. Finding a job with a 401k would give you access to a tax advantaged...