[AmbitiousSaver]

I have a Roth at one place and I set up a Traditional IRA with the Suze Orman "Save yourself" plan BUT then realized that I can't automatically have my paycheck fund the account pre-tax. I have to fund it with after tax dollars. So I thought perhaps I should convert the Traditional IRA to a Roth.

I went ahead and sent in the paperwork to TD Ameritrade to convert the Traditional to a Roth.

The advisor said that although I'm funding it with after tax dollars I could write the Traditional IRA on my taxes as a deduction.

Couple thoughts going through my head are... I'm in a low tax bracket now, so whatever taxes I pay now will likely be lower than what tax bracket I'm in when I retire... so a Roth would win out, right?

Also, if you have a Roth - I know you can only contribute a maximum of $5K between however many accounts you have. But I don't understand how it works if you have a Roth and a Traditional. Can you contribute $5K to each?

Is the tax break right now for a traditional IRA worth it or is a Roth the best way to go all around?