Choosing one over the other boils down to one very personal detail. But the detail's different for every person.

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Therefore, a Roth IRA provides a "much longer runway for tax-free investing," said certified financial planner Thomas Scanlon at Raymond James in Manchester, Connecticut.

Roth IRAs come with many benefits for those who use them. These robust savings accounts are some of the best retirement plans for growing your nest egg and unlocking tax advantages on contributions.