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2. Does employer offer a Traditional 401K plan or a Roth 401K plan? My recent research shows that a typical Roth 401K has nearly 15% financial advantage (i.e., after-tax spendable income) to the retiree versus that available with a Traditional 401K plan (i.e., assuming same contributions in each plan). Until this effort I had not recognized the tremendous financial advantage to the retiree when employer contributions were made to his/her Roth 401K account. Suggest younger employees should have a bias toward those employers who offer a Roth 401K plan versus those who offer a Traditional 401K plan.

I thought employer contributions had to be made to a traditional 401k. Employees can contribute to a Roth 401k.

Isn't it better to look at your own situation than the typical situation? I still contribute to the tradition 401K instead of Roth IRA due to marginal tax rate.

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