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People aren’t answering your question. It makes sense to contribute to. Traditional over Roth 401k when you think your tax rate is higher now than it will be in retirement. I’d bias towards Roth as much as possible but if/when you’re making more than you’ll be spending in retirement, the tax savings today outweigh the deferred benefits of tax free growth
You also have to factor in how much your money will grow. If you defer $10k in taxes now via a traditional and it grows to $20k in taxes by the time you retire - if you are making $5k less when you retire then you are coming out behind.
Once you feel like you can do a mega back door. Then you’ve got 20.5k in tax deferred and however much you want in tax free growth.
Deloitte doesn’t allow mega back door
Chief
I run the mega backdoor Roth IRA off a $125k income. Essentially converting the “after tax” contributions under my employer retirement plan into a Roth IRA. This allows me to put away up to $38,500 in addition to the $20,500 I contribute to my 401k.
https://www.investopedia.com/mega-backdoor-roth-401-k-conversion-5210877
There’s also the regular back door Roth IRA where you can convert your 401k or your traditional IRA to a Roth IRA
https://www.investopedia.com/terms/b/backdoor-roth-ira.asp#toc-what-is-a-backdoor-roth-ira