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Reply to "Increased contribution limits in 2023… "
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[quote=Anonymous][quote=Anonymous]Fed here. What are the reasons to to Roth 401K vs Pretax?[/quote] The reason would be if you expect your marginal tax rate in retirement to be higher than it is now. That is rarely the case, except in the case where you go from married filed jointly to single and keep roughly the same income. Roth IRAs also don't have minimum distribution requirements, so it is easier to manage your taxable income (say you don't need a distribution and want to stay below an IRMAA threshold or something), although note that to take advantage of that as a Fed you'd need to roll your money out of TSP and into a Roth IRA because the Roth TSP isn't as flexible.[/quote]
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