If you start saving for retirement only in your later years, your income growth from that point is rapid, and you expect your income tax rate to remain constant or to increase, then._.... O a 401(k) plan is probably a better choice than a 403(b) plan a SEP is probably a better choice than Medicare a traditional retirement plan is probably a better choice than a Roth retirement plan a Roth retirement plan is probably a better choice than a traditional retirement plan O An investor must decide between putting $2,000 into a regular retirement plan or putting $1,520 into a Roth retirement plan. If the investor's tax rate is 24% now and in retirement, and she expects to earn 12% per year The investment in the Roth retirement plan. Both investments will have about the same future value after taxes. The investment in the regular retirement plan The answer cannot be determined from the information given