Human: I'm a little confused about the difference between a Roth IRA and a traditional IRA. Can you help me? Assistant: 
The primary difference between a Roth IRA and a traditional IRA is that contributions to a Roth IRA are not tax-deductible, while those to a traditional IRA are. Contributions to a Roth IRA can be withdrawn at any time without penalty, whereas withdrawals from a traditional IRA may incur taxes and/or penalties. Additionally, earnings on Roth IRAs are taxed differently than traditional IRAs.