"With the Roth options, you are paying taxes now so you can take qualified distributions income-tax free. With the traditional IRA and 401(k) plan, you are delaying taxes until distributions are taken."

Roth IRA's normally funded by pre taxed income...or, in the event of a roll over, are taxed at that event.

EARNHINGS within the account or accounts are TAXED but penalty free if you meet required criteria.

http://www.investopedia.com/articles...

doni