time for the help desk. joining me, dana r dana rosotto. glad you re here. first question comes from chris, who said i m 58. wheat the best strategy to retire when i m 65. i have a regular 401(k). and asked my tax accountant about a r. o.t.h. he said people don t neat a r.o. r.o.t.h. is he right? you re right. if you have a r. o. t.h. it makes most when you re in a tax bracket. we have massive federal deficits. many economists believe interest rates go up. does it have sense to have an i.r.a. look at the personal tax situation. is the tax rate going to be