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"All the benefits of a Roth"
Your post implies you think the money you are contributing to your 401k
will never be taxed. This is not true. You get the tax break when
you cotribute, but later (when you take distributions) all of it will be
taxed as ordinary income. The money and all its growth that is con-
tributed into a Roth is never taxed. Don't get me wrong, I contribute to
a 401K myself, but I think for someone your age, a Roth is a great deal.
Actually for any age a Roth is great to contribute to. However, rolling
funds from a traditional IRA into a Roth is not always the best decision.
It depends upon your situation.
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