>> Roth 401k or IRA - Post tax money. Pay tax now, and none later (you suspect your taxes will go up) This is a really good point. I pretty much expect taxes

>> Roth 401k or IRA - Post tax money. Pay tax now, and none later (you suspect your taxes will go up) This is a really good point. I pretty much expect taxes will go up for everyone at some point so it seems like it's a no-brainer to open a roth IRA now. I have never heard of a Roth 401k though.