You express some doubts as to your mental condition. I don’t know if you are crazy, only a licensed mental health professional can provide that diagnosis. But I will say that in some cases a tradional IRA does make more sense.
I’m a professional tax preparer, and all of my clients’ situations are different. There are many factors, both present and future (way too many to discuss here!), that determine if someone should or should not contribute to a tax deferred retirement acct (i.e a traditional IRA) and/or an after tax acct, such as a Roth IRA. Your tax person should be taking all of these factors into account when discussing this with you. If they do not, then you may not have the right tax guy.
You mention that you think a tax guy “feels that if a client has to pay taxes it reflects poorly on him as opposed to potentially getting a return with the use of a Traditional IRA.” If you believe that all tax pros think this way, then yes, I do believe you are crazy. If this is truly how your tax guy thinks, then, again, you may not have the right tax guy. Competent tax preparers who are looking out for their clients don’t think this way.
