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With Roth IRAs it is critical to know that there is an income limitation. If you make more than that, you cannot benefit, AT ALL.
SEP IRAs are great vehicles that let you defer more income.
As someone said, everyone has a different situation and if you expect to make more money later in life past the post retirement age, you may wish to re-evaluate the deferral strategy combined with your plans to provide for your children (or even grandchildren) if any.
If your post retirement income is dividends and capital gains, they are presently tax advantaged. That may not last depending on how the politics unfolds over the next few decades (I personally expect that the flagrant government spending deficits will change this advantage by a matter of necessity to raise revenue by any means possible).
Then, there is the estate tax to consider...
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