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<<How is one supposed to know what the tax rates will be when one retires much less figure out what your tax rate will be upon retirement? >>

If you are very near retirement then an estimate is possible, otherwise a crystal ball would be the only way to make an accurate estimate.

It is unlikely that tax rates are going to go down. The general rule is to contribute at least the minimum the company matches to a 401K then consider others plans.

Would you decrease the 401K contributions by the amount contributed to the ROTH or will it be by the amount contributed to the ROTH plus taxes? If it is the later then I would continue with the 401K contributions. You should do what makes you feel the most comfortable. Both are good decisions and there is not sufficient information to make a perfect decision.

The decision can not immediately be changed but is not completely unrevokable. Once a 401K is rolled into an IRA it maybe an option to convert it to a ROTH.

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