Roth Or Pre-Tax 401(k)?

Personally, I favor Roth contributions. I like the tax-free benefit of qualified distributions in retirement. It should be noted, however, that any employer match to a Roth 401(k) will be made to a pre-tax account (as the employer is allowed a tax deduction for the matching contribution). Your employer match will not be Roth dollars.

This should not be a discouragement from saving to your Roth 401(k).

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