a ROTH IRA may be better in the long run because withdrawals never have to happen while you're alive. if you do take withdrawals, they would be entirely tax free (over 59 1/2 and any Roth account in existence for 5 years). one would expect a person to be in a higher tax bracket when they do.
as to your question
- Account holders can withdraw their contributions without incurring taxes or penalties.
- People over age 59½ who've held their accounts for at least five years can withdraw income tax free
however, it's too late to make a Traditional IRA contribution for 2023 so I would leave the money in the ROTH to grow tax free.
This is a public forum so do not post any personal information. Without personal information no one can say whether a ROTH or Traditional IRA is better in the long run. This is really a question for a financial advisor - even they will make assumptions that will not pan out. No one knowing what the tax laws will be when you retire is jusy one of the issues where assumptions are required,
