A lot depends on how that "deferred compensation" is structured. For a young person, I'd go for the Roth if she qualifies based on income. For 2018, the income limits to qualify for a Roth have increased slightly: For single taxpayers, the phaseout range is now $120,000 to $135,000, up from $118,000 to $133,000. And for married couples filing jointly, the income phase-out range is $189,000 to $199,000, up from $186,000 to $196,000.It makes sense to diversify her retirement savings. And she will never be required to take money out of the Roth -- if the government keeps its promise. But when she does, it will all come out tax-free!