上海哥的·意思是你現在 tax bracket is 37.6% the highest bracket

and will be 24% or lower post retirement, then it is worthwhile to do pre-tax. Otherwise, just do Roth. 別忘了州稅。 有人在免稅州工作，退休跑到加州享受陽光，要交陽光稅的。24% is doable if our portfolio is mainly stocks. We can control how much capital gains to realize each year.