Guidance requested.

Any suggestions on ROTH 401K vs regular 401K. Firm matches upto 50% contribution up to 6% of salary contributed. I earn 150 and able to contribute 10% of salary. Married and mid 30s (late career start) and currently sole earber due to personal circumstances.

Should I distribute evenly it just for full regular 401K especially since latter helps me lower my taxable income.

Can't do ira because CBA ensuring independence everytime.

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Roth

RSM that’s a common misconception but not how it works. If you’re paying the same tax rate now as in retirement, then Roth/traditional are exactly the same.

How much money do you want to withdraw in retirement? If you want to use more than you currently make, go heavier on Roth. But if you want to use less than you currently make, go for 401k.

Easy: with 150k salary, I'd do traditional 401k all day every day, no question. Your future effective tax rate is extremely likely to be less than 24% (your current marginal rate), so you reduce your tax liability today and you'll pay less taxes on that money later. No brainer

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