Sal is 35 years old, an employee of a private firm, and is planning to retire at age 65. He is investing in a traditional IRA instead of a Roth IRA because he expects his marginal tax rate to be lower during retirement than it is now. Is this a productive choice for Sal? Why or why not? It is not productive because in traditional IRAs Sal will not be allowed to select the O investments of his choice. O It is not productive because the earnings from the investments in a traditional IRA account are taxable as they are earned. O It is productive because Sal can claim a tax deduction on the amount he decides to contribute toward the traditional IRA. O It is productive because Sal will not have to pay a penalty if he decides to withdraw his investment from the account before the age of 59 1/2