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Hi,

My employer is offering to make a matching contribution to the first 4% I contribute. I have a range of investments and I can select from having the contribution as a Traditional 401(k) (before tax basis) or a Roth 401(k) (after tax basis). I can also select a combination.

I know the general rule is to max out the Traditional first since it usually comes with a match and is considered "free money." Here though, I will have an employer contribution either way. What I am wondering is if it is preferable to have them match 4% on my pre-tax salary (4% of a higher number) or post-tax salary considering the other tax benefits.

I'm 32 and make around $80k and have no predictions for my future earning levels.

Thanks!
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