One of the reasons that many like the Roth IRA is due to the fact that there is a good chance that you can pay lower taxes now, and avoid higher taxes later. Since the money in the Roth IRA grows tax free, you pay taxes at your current tax rate.
When the seal on the wheel bearing is broken or damaged, the noise starts out very faint and becomes louder over time. It sounds like the noise that your tires make when hitting a rumble strip on the highway, just not quite as loud, something like the sound of playing cards flapping against bicycle spokes.
When an axle bearing hub fails it can create a clicking sound while turning and going straight. If you have a truck with large tires it will make this bearing go out often. This noise can change as you turn the car left or right. Here is a video that show you how to replace the bearing hub in about 30 minutes.