What's the split between traditional and Roth 401K that you are using?

I'm 100% Roth. I'm not an expert myself, but both my financial advisor and a relative who builds employ benefits plans for huge companies have told me the same thing: if anything, income tax rates are only going up in the long run (assuming you're in an income tax state). Might as well have those taxes taken out now - especially if you're younger and still in a lower tax bracket.

Yes that is true, but you are saving money by having pre tax contributions taken out of your paycheck

KPMG1: logic is flawed. If you plan to take out money in retirement, when you won't have any other income, your tax bracket will likely be much lower than anytime when you are working full-time.

Isn't there an income restriction on contribution to a Roth IRA?

Not 401k Roth, normal Roth yea, blew past that years ago, always go backdoor approach, I do contribute to a traditional Ira

There is to a Roth IRA, I'm talking about the 401k Roth option

KPMG1: I'm shocked a "professional" financial advisor gave you that advice. I'd find a new one.

Try to do the math on what your long term returns will look like by paying the extra +25% in taxes now and having that much less to invest rather than investing it now and MAYBE paying a higher tax rate when you start taking withdraws in the future..