<sigh>There are two threads in the last couple weeks that address this very topic.Bottom line, what tax rate do you defer today vs. what tax rate will you pay in retirement? In my case, I defer 30+% in taxes with a traditional 401k and, using today's tax rates, I'd expect to pay less than 15% in retirement on my withdrawals. I'm fairly confident that I would end up with less money if I went with a Roth.OTOH, there are advantages to having both Roth and Traditional 401k/IRAs to draw from in retirement.-murray
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