When does it make most sense to max out Roth 401k va traditional 401k?

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This is asked quite often - do a search on this and the FIRE forums and there are many detailed responses 😊

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You two are so kind, this is just cute to even read

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I see it as a call on future tax rates. You pay now or in the future. Hopefully you’ll be in a higher tax rate in retirement than as a senior consultant so a Roth might make more sense.

For me I expect tax rates in general to go higher in the coming decades and likely become more progressive. So I’m fine laying taxes now. I also have a lot of other tax defections so contributions to a traditional 401k don’t give me that much juice.

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Do it while you earn underneath the Roth IRA income limit. one you start doing backdoor Roth IRA, your marginal rates are high enough that you should be doing traditional 401k.

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Max 401k, Roth, HSA and consider these as monthly expenses and you'll automatically be living below your means

Lol this did not even remotely answer OP’s question

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