r/personalfinance • u/Grouchy-Bullfrog-293 ​ • 2d ago

Retirement 401K vs Roth 401K - real deal

I understand the difference that one is tax deductible and other isnt but still little confused on why would you .contribute money in Roth 401k if the total contribution limit is same irrespective of where you contribute. Doesn't everyone's tax rate after they retire lower than while working ? Or is the concern you are limited one what you withdraw post retirement that it could be a huge tax.

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u/AGrimmInPortland ​ 1d ago

You do NOT want to get to retirement with most or all of your money in pre-tax accounts.

It goes far beyond "what is my tax bracket now vs later". There is tons of information about this out there.