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Fuskie
Who thinks when you take into account the likelihood that tax rates will increase 10-20 years into the future, contributing to the Roth 401k and taking the tax hit now is the most attractive option...


While I would generally agree, his joint income currently is over 250k. At his current saving rate of just 4% and based on the amount saved so far (250k at age 45), I doubt he will accumulate enough by retirement to have an income any where near 250k in retirement. If we use a SWR and assume no inflation, his retirement savings would need to be in excess of 6 million to come close to replacing that income (assuming no pension).

The current tax break right now is significant based on an income of over 250k - even if rates do go up in the future.
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