Free Money In looking at Wikipedia’s 401(k) IRA matrix that compares the benefits of a traditional IRA, a Roth IRA, a 401k and a Roth 401k, the following stands out as a BIG advantage of the Roth IRA:

Forced Distributions: None. This is a huge advantage for Roth IRAs within estate planning.

They’re right — this is a gigantic advantage for a Roth IRA over all the other options. FYI, the others force distributions at 70½. But with a Roth you can let the money sit and grow forever — like until you die. Then the money can be used to pay your estate taxes (if you have any — hopefully you’ve planned to minimize those as well.)