Just found out IRA contribution limits jumped again for 2026 and honestly the numbers are getting wild. If you're under 50 you're looking at $7,500 max, and if you're 50+ it's $8,600. That's a decent bump from last year. So like, if you actually want to max it out, you're looking at saving around $625 a month if you're younger or about $717 if you're over 50. Yeah that's a lot per month lol. I've been thinking about whether to go traditional or Roth though. Traditional gives you the tax break now but you pay taxes later. Roth is the opposite - you don't get the immediate break but your money grows tax-free and you don't pay taxes when you pull it out in retirement. The thing is, if you're a higher earner, Roth IRA income limits might lock you out of contributing directly, which is kind of annoying. I've read some people just do both if they can manage it, as long as they don't go over the total limit across all their accounts. The actual move seems to be setting up automatic transfers so you don't have to remember every month. Less thinking required and you're less likely to accidentally spend that retirement money on something else. Even if you can't hit the max, getting whatever you can in there is still better than nothing. Anyone else struggling to figure out the Roth vs traditional choice?