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[quote=Anonymous]He is already is the 24% bracket so he is not like most people starting their careers.  Also he is not like most people in that he gets a match for every dollar he contributes up to $24k.  Contributing $24k to a Roth will mean approx. $30k+ hit on his paycheck withholding (vs $24k or so for a traditional).

So, if contributing to a Roth reduces his take home enough that he would contribute less to the Roth (e.g., he can only afford a $24k hit on his paycheck so he can only contribute $19k to the Roth) then it's a no brainer to contribute to the traditional because he is giving up $5k in matching by using a Roth.

If he wants to and can afford to contribute $24k to the Roth, and he expects his pay/retirement savings to rise enough to get him out of the 24% tax bracket in the future, then a Roth probably makes sense.  If not then I'd do a traditional (and supplement with a Roth IRA so he has at least some money there, or split the contribution so he makes sure he gets all the match but saves a little more in Roth).[/quote]

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