The big difference between the Roth IRA and other retirement accounts is that rather than receiving a tax break for monies placed into the account, you receive the tax break when you withdraw the money. Why is this difference important? Like any other choice based around tax issues, the more funds that have a tax advantage, the better the net results. Using a Roth IRS’s long term accumulation allow for blending this tax free income with other assets which may have more tax liability.