Traditional 401k or Roth 401k

[Atretes1]

All my funds go to a ROTH 457 and ROTH IRA. I'll have pension and rental income in retirement (Higher tax bracket).

[jIM_Ohio]

The sole consideration is what tax bracket you are in now vs. what you predict you may be in when you withdraw the funds. If you think you will be in a lower tax bracket when you withdraw the funds, then use a Roth or Roth 401k. It really isn't much more complicated than that.

The trick is predicting what your tax bracket will be when you need the funds. A lot can change over the time you deposit the money and the time you withdraw it.

The opposite of this.
If taxes are higher NOW, use the traditional
If taxes are lower now, use the Roth.

If taxes will be lower in retirement, that means they are higher now, use the traditional (save 25% now, pay 15% later)
If taxes will be higher in retirement, that means they are lower now, use the Roth (pay 15% now, save 25% later)

I put 13% of my income into a Roth 401k
My employer puts 9% into a tax deferred match.

I pay a lot in taxes- close to half my salary is FICA and federal taxes. But when I take a bulk of that money out, I have the flexibility a Roth provides

[LivingAlmostLarge]

we do 401k regular, roth IRA, and after tax dollars into 401k to roll to roth. Everything is maxed out so it's boring. I will likely be in a lower bracket in retirement. If we are in as high tax bracker during retirement then we did a lot of things RIGHT and I am more than happy to pay taxes on that much money. I mean if I'm still generating what we make now, seriously we're loaded.

[LivingAlmostLarge]

traditional 401k. But it depends on your bracket. If you are above 24% bracket I tell people do the regular. What are the chances you'll be higher that that? If you are in the 32% and married then you are making $315k. If you are generating $315k in retirement you have well over $10M and i doubt taxes are a big deal at that point. You are living better than most.