re: roth 401k vs regular 401k

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So I’d pay my tax in a lower tax environment depending on your circumstances.

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I don't disagree with the logical, but I think too often people don't consider the very real possibility of the tax law changing...

Just look at the history of the taxability of Social Security benefits if you need proof that income you thought wouldn't be taxable can become taxable. One of the best professors I had in college (who taught Tax Seminar) always told his students that he'd take the tax break NOW if given the choice.