re: roth 401k vs regular 401k

I would think you would have gotten tired of people showing how you are talking out your arse, but ok.

The only instance where that would be a consideration is if the client is maxing out their 401k election, has capitalized on a backdoor Roth if they can, and still want to save additional funds. Which would be the case in either election scenario for the example person.

People with an actual financial plan target a certain amount of savings for the year, calculated by a need in the future, add in a margin of error, and then save that amount. And then they enjoy the rest of their money.

“Save what you can” or “Save whatever is left” are not plans. Those are reactions.