Roth vs. 403 B

David seeks advice on whether to invest in a 403 B or a Roth IRA. The discussion highlights the advantages of Roth IRAs, especially for those in lower tax brackets, emphasizing the benefit of paying taxes now to avoid future tax liabilities. The unpredictability of both interest and tax rates complicates financial decisions, but the consensus leans towards choosing a Roth IRA for its long-term advantages.