Just realized my firm offers a Roth 401k option. I’ve been contributing pre-tax but now not sure what to do. I know Roth is theoretically better, but is there any reason to do pre-tax? What about a combination of the two?

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Neither is really better. If your tax bracket now is higher than in retirement, traditional is better. This assumes you invest your current tax savings. If your bracket in retirement is higher, Roth is better. No way to really know so a split may be a good choice

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If you go with the Roth option you should note that the money is contributed to retirement post tax instead of pretax so your monthly take home pay will be lower if you put the exact same amount in retirement when you switch. Not to say that Roth 401k isn’t worth it depending on your income level but it’s something to account for.

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I used to do half and half so I can adjust my withdrawals based on what makes sense in retirement.

Now I make significantly more than I think I'll make in retirement, so I'm switching to all pretax. (And I'll still have backdoor roth)

smart

Roth is not “theoretically better”

smart

For the love of god, search the bowl. This question is asked every.single.day

funny

Just be aware you may not get a match in Roth - depending on your company’s/ plan’s rules.

I have never heard of a plan that does not give you a match on Roth. They can’t give you match in Roth, but you would get a match and it would be put in a traditional account. I suppose it is possible there are some out there, but that would be rare

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Roth has a limit and most people reach that after a few years of working

A1 Roth IRA has income limit and contribution limit. Roth 401k only has contribution limit.

How do you get the info on what would be your tax bracket in retirement?

You look into your crystal ball. There is really no way to know. You can try to make a guess based off income streams and may be more easily predict income when you get closer, but guessing tax rates is impossible

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