I am generally in favor of the bird in your hand, with 401(k) accounts, this means Traditional, pre-tax contributions. If you save as much as you comfortably can pre-tax, less will go to the IRS, and there is little change in your spendable income. You are putting the funds in your retirement pocket vs. that of the IRS. Roth 401(k) contributions are made with after-tax dollars and currently accumulate tax=free as long as the funds are on deposit for 5 years or more.
Over the past 3 years there has been a lot of talk about changing the Roth accounts because our Government feels too many people are accumulating too much money that will never be taxed. There have not been any negative statements made in regard to the Traditional pre-tax deposits, until now. Our Government is stating that only “well-healed” individuals have access to these types of accounts, and they are adding too much to these non-taxed deposits. If the amount that can be contributed is lowered, more money can go toward Social Security, thus helping that system.*
I do not know, I thought retirement savings were meant to help us all prepare for our own retirement.
*USAToday 3/21/24

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