Does my decision to get a Traditional or ROTH IRA change if I’m married?

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The decision to save for retirement should not change, regardless of whether you’re married or not. SAVE!

In terms of the Traditional vs. the Roth, the only difference driven by marital status is deductibility limits. For the Traditional IRA, the extent to which you can deduct your contribution is determined by whether you (or your spouse) have access to a 401(k) at work. If you (or your spouse) have access to a 401(k) at work and are making more than the income limit for tax deductibility, then a Traditional IRA would not make any sense since there would be no tax benefit upfront.