Much of what I've read in the decision between Roth Vs Traditional IRA (simplified) comes down to "depends on your tax situation now & at retirement."
So my question is would it be a wise strategy to open both and make contributions to one or the other based on a yearly tax situation?
i.e. Low-income years add to Roth & High-income years add to Traditional.
Or would doubling the maintenance fees and trade fees hurt more than any possible benefits?