As a 23 year old Analyst making a base of 82k, does it make any sense for me to be investing in a traditional 401k as opposed to a roth 401k, assuming my salary increases as I get closer to retirement? Currently investing in a traditional 401k and a Roth IRA, but unsure if im doing myself a disservice in the long term by not taking the tax hit now.

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Don't overthink it. You can split your contributions to the roth and the traditional 401k. If you are aggressive and save in the Roth IRA too ($6k), then doing $6k in the Roth 401K gets you to a ~50/50 across both pre-tax and post-tax retirement savings.

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Thank you this was really helpful

Hi OP, I would hedge. When I was younger I split my contributions 70/30 Roth/traditional. As I’ve gotten older I’ve looked at more 50/50.

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Wanna trade base salaries? Mine is a lot lower but I’ll include a fruit basket and a thank you note.

Just trying to provide full context to my financial situation and looking for advice!

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