Since retirement benefits typically cannot be taxed twice, after tax contributions are available in their entirety for use at the time of withdrawal; by contrast, withdrawals from retirement accounts composed of pre-tax contributions accrue tax and ...
Alternatively, traditional IRAs involve pre-tax contributions and distributions that are taxed. Essentially, using a Roth IRA instead of a traditional IRA means choosing to be taxed now instead of choosing to be taxed in retirement.
The main advantage of making pre-tax contributions is the FICA and Medicare Tax deduction, which amounts to a savings of 7.65% each to the employer and employee. The self-employed must pay self-employment tax on their contributions.
 See also: Market, Income, Contributions, Retirement, Contribution
  
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