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Mark Biller is Executive Editor at Sound Mind Investing.In this month’s SMI newsletter, he has a great article to help folks make this decision, titled “Should You Use A Roth Account, Even If You Prefer Traditional?”  WHY IS THIS A GOOD TIME TO ASK WHETHER ONE SHOULD USE A ROTH ACCOUNT EVEN IF THEY PREFER TRADITIONAL?Roth IRAs were introduced in 1996 with rules about who can contribute.A new law will soon mandate some older, primarily higher income 401k investors to direct some contributions into Roth accounts.This law also impacts those using 403 B, 457 B plans, and the Thrift Savings Plan, prompting a reconsideration of investment strategies. [1:22] CAN YOU EXPLAIN THE DIFFERENCE BETWEEN ROTH AND TRADITIONAL ACCOUNTS?Both Roth and Traditional are specific types of accounts that provide tax benefits, applicable to 401 K plans or IRAs.Roth is not an investment type; you can own stocks, bonds, etc., inside or outside of these accounts.Traditional accounts offer tax benefits now but tax liabilities upon withdra