Choosing between a traditional 401k and a Roth 401k is one of the most common questions workers face today. With more employers now offering both options, many people default to a 50/50 split simply because they don’t know what else to do. But is that really the best strategy? And how do you figure out the right mix for your situation?

Here’s some of what we discuss in this episode:

🏦 Traditional 401k: tax deduction today, taxable withdrawals tomorrow

💡 Roth 401k: after-tax contributions, tax-free withdrawals later

⚖️ Why a 50/50 split isn’t always optimal

📉 The “sweet spot” strategy: maximize deductions + future tax-free income

📊 Using standard deductions wisely to avoid giving money away

The Tax Bomb

https://thetaxbomb.com/

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Website: https://centrusfs.com/podcast/  

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