Choosing between a Roth 401(k) and a Traditional 401(k) comes down to when you want to pay taxes. A Traditional 401(k) gives you a tax break now, but withdrawals in retirement are taxed as income. A Roth 401(k) requires you to pay taxes upfront, but withdrawals in retirement are completely tax-free. If you expect to be in a higher tax bracket later, a Roth may be the better choice. If you want to lower your taxable income now, a Traditional 401(k) could work better. The right choice depends on your income, tax strategy, and long-term goals.

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