re: roth 401k vs regular 401k

Lol, ok man. Mr. Professional here telling us how we should do it. Yet you don't tell your people to reinvest their tax savings from a Trad 401k over a Roth? Give me a break.

This is exactly why people with money have a good lawyer, good accountant, and good financial adviser. Because their financial adviser doesn't know their taxes like they think they do and their accountant doesn't know their investing like they think they do.

Any comparison X to X with a Roth and Trad is obviously going to come out better for the Roth. That's a ludicrous argument.

If you save money on taxes by investing in a Trad 401k, you should absolutely invest your savings in either a Roth IRA or taxed account.