LogFAQs > #880595485

KILBOTz posted...

yes, I max contributions, I have a traditional and roth 401k option through work. Roth option started about 2 years ago and started doing ROTH for my contributions.

do you use any metrics in determining whether traditional 401k or roth are a better call?

if the entire income falls into the 28% tax bracket the effective tax savings seem to be approximately identical when you account for opportunity cost

even at 25% i find it hard to be motivated to take the hit to my ability to contribute to after-tax CMA by expanding roth contribs for a net 5% tax savings
---

And when the hourglass has run out, eternity asks you about only one thing: whether you have lived in despair or not.