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.
Conversion Rule. If you convert money from a tax-deferred retirement account to a Roth IRA, you must wait at least five years before taking distributions of the converted amounts to avoid the 10 percent early withdrawal penalty. However, you won't pay income taxes on the distribution, because you paid them on the conversion.