I’m starting with a disclaimer here. We could debate for hours the pros and cons of a Roth IRA; Heck, Lanny has written about both sides of the Roth vs. Traditional argument already…first about maximizing your Roth IRA contributions for 10 years and then writing about his plan to use a Traditional IRA going forward during the summer. What am I proving here? There is not a one size fits all approach and using a Roth or a Traditional account may (and should) change as your financial situation changes. This last week I experienced one of the downsides of a Roth IRA and I wanted to share it with all of you.