Infectious agents such as bacteria and viruses are the most frequent causes of gastroenteritis in the US and worldwide. Infections cause diarrhea and other symptoms by causing inflammation of the gastrointestinal (GI) tissue.
Remember, your Traditional IRA is tax deferred, while your Roth IRA is tax free... So, assuming a income tax rate of 30%, you really end up with... $20,933.70 in your Roth IRA, but only $14,653.59 in your Traditional IRA. That's the difference between an IRA that's tax deferred and an IRA that's tax free.
So, if your income is too high to make a Roth contribution, you can put money in an after-tax traditional IRA instead. The earnings on those contributions can grow tax-deferred, and you will pay taxes only on the investment growth -- not the contribution -- when you take a distribution.