Like Raybyrnes, I went all in w/ the Roth 401k when it was offered to me. I guess it really depend on how old you are. If you’re in your late 20s/early 30s and have 30 years before you retire, even if all you put in is $15k, the growth being tax free makes a huge deal in my eye. If you make an average of 8% every year over the next 30 years,that $15k will grow to $151k. With a Roth, assuming you’re paying around 35-40% in come tax right now, you’re paying a total of $9000-$9750 in taxes. If you went with a traditional 401k, assume it grows that the same 8% and the total is $151k in 30 years and your tax rate is at 10% 30 years from now, you still have to pay ~$15k in taxes. So, it’s a no-brainer for me. If they do change the way they deal w/ Roth, I’ll worry about it then. But I don’t believe they will do it. It’s much more likely that they stop allowing contribution to it, but to change the way they tax Roth is unlikely in my eyes.
