In general a Roth has only 1 advantage over just saving the money outside of a retirement account. That one advantage is that capital gains are tax free. There are a plethora of drawbacks to that one advantage and they include. The money usually can’t be withdrawn without penalty. The investment options tend to be somewhat limited (For example it isn’t easy to invest Roth funds in a rental property). There’s no guarantee that your investment will grow with significant capital gains. There’s no guarantee that the government own’t change rules about tax rates in the future. So in effect they’ve sold you on this dream that you’re going to take $100K, grow it into $500K that’s all going to be tax free but the odds or you doing that and the money staying tax free might not be that great. Unfortunately nobody knows the answers to those questions.