re: roth 401k vs regular 401k

Do both. The cpa will say all reg401k because they are seeking immediate benefit, financial planner will lean towards Roth because they seek future benefit. But the younger you are the more you should contribute to the Roth. For example, you’re under 30 yo with 30+ years to go, you could prob assume you’ll only make more going forward. And then depending on the situation, as you make more $ you reduce Roth and increase regular. Ideally you want 3 buckets in retirement: Pretax, post tax, and a taxable brokerage account. That way you can spread your tax liability across Ordinary income tax, ordinary income tax,,0% on Roth, and capital gains on brokerage.