I make $135k a year and my company is offering a 401k or a 401k Roth - which one should I pick?

A Roth 401(k) and a traditional 401(k) serve different purposes: the traditional allows pre-tax contributions while the Roth offers tax-free withdrawals, impacting your financial planning based on tax brackets.

Selecting between a traditional and Roth 401(k) hinges on future tax expectations. If you anticipate higher retirement taxes, the Roth might be preferable, otherwise the traditional could save you more now.

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