Maximize Your Equity And Benefits In Tech [Part 19] - Pre-Tax vs. Roth

Choosing between pre-tax and Roth 401(k) contributions can significantly impact your long-term tax outcomes. Here are the core points from the lesson:

• The net tax advantage between pre-tax and Roth depends on your current vs. future tax rates; Roth may be ideal if you're in a lower bracket now, but pre-tax offers flexibility for future low-tax Roth conversions
• Roth IRAs offer penalty-free acc