We can't give personalized investment advice.
However, if you are in a situation where you pay little or no income tax (such as, lower income, or getting your taxed zeroed out by the child tax credit), then a Roth IRA is far superior to a traditional IRA, and somewhat superior to a regular broker account. You aren't exactly "paying tax on your savings". What you are doing is contributing after-tax money to an account that will never be taxed in retirement, even if your income is very high in retirement. A traditional IRA is "tax-free now, pay tax later" which is a good idea if you pay high taxes now and expect to pay lower taxes later, but is a very bad idea if you pay little or no tax now since you get no actual benefit from the tax deduction.
