If you think you might do a self-funded startup down the road, having a traditional IRA can be very useful. I was a co-founder of a startup and it took us 3 years of self-funding to get it off the ground. During those years, the payments into the startup are a loss that can either be carried forward to offset future earnings or can be used to offset Roth conversion income, allowing tax-free Roth conversions.
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If you think you might do a self-funded startup down the road, having a traditional IRA can be very useful. I was a co-founder of a startup and it took us 3 years of self-funding to get it off the ground. During those years, the payments into the startup are a loss that can either be carried forward to offset future earnings or can be used to offset Roth conversion income, allowing tax-free Roth conversions.