Contributing to Roth accounts early in one's career is an optimal strategy because individuals generally have lower tax rates and more time for compounding.

“If you think about it generationally, like when do you It's not a question of do you want a Roth IRA? Of course you do. The question is when do you want to fund that? And I would argue when you're starting early career, you have the longest time to compound, you have the lowest tax rate likely of yo”