Comment by dennisgorelik

It's a good investment guide, but I disagree with Patrick's advice on Roth IRA. Roth IRA (unlike Traditional IRA) almost never makes sense. It is very unlikely that tax rate at retirement would be higher than tax rate now, because if your income at retirement is already high (meaning high-tax rate) then you are very unlikely to get money out of your retirement fund. You are much more likely to get money from your retirement fund at your low-income years, when tax rate is quite low already.