re: Millennials Guide to Investing and Retirement

Thread hijack:

When deciding between a traditional and ROTH 401k/IRA do you look at your current marginal tax rates vs. your future marginal tax rates or your current marginal tax rates vs. your future effective tax rates? When going for a traditional, all (or most) of the incoming money is saved at the marginal rate whereas you pay at different marginal tax rates on the outgoing money (some at 0%, 10%, 15%, etc.). When this is considered (and after plugging in the numbers in a spreadsheet), I'm not sure that the ROTH is all that advantageous for most people other than the fact that you can easily withdraw contributions.