Roth vs Traditional… How do the taxes work?

Roth vs Traditional IRA - Taxes and trees

When you earn money think of it as something to grow. Like seeds you plant in the ground. Years later those seeds turn into mighty trees!⁣‎
A brokerage account is a bank account in which you invest. If you invest in a normal brokerage account, the government taxes you twice. Once when you earn the money from your job (income tax). Then again on the additional growth of that money (capital gains tax).‎
But our friendly US government has made us a great deal. If we invest inside of special retirement accounts they eliminate one of those taxable steps saving us a lot of money.

In a Roth IRA or Roth 401(k), the government taxes you as normal when you earn the money, but then the money is never taxed again as it grows. So in this example, Roth means the government takes some of the seeds but none of the trees.

In a traditional IRA or 401(k) it’s the opposite. Money comes directly out of your paycheck into the acc