re: Employer Offering Roth 401K

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Maybe a 70/30 % split between the two would be best for most people.

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And when considering this split, be mindful that any company match is typically in a traditional since you are not paying taxes on the match.

Also, when considering the tax bracket questions/concerns now vs when you retire; I have been advised you can't just look at the tax rate that may be applicable on those funds. If you are going to receive SS benefits, the amount of those benefits you will be taxed on will be affected by your taxable income. Your healthcare options/costs are also affected by your taxable income. And Roth plans are not subjected to required minimum distribution amounts.