<prompt> Human: We have a consultant who handles the company 401k program and he offers guidance to the employees. I asked him about Roth vs Traditional and he said the models he uses, in almost every situation Roth makes sense before age 3536 then Traditional makes sense after 3536. I asked about tax brackets now vs at retirement and he said it didnt matter.Has anyone else ever heard of this?  <response>: Sounds like hes just assuming thats where the cut off is based on experiencedata hopefully. After all, thats much easier than actually looking at someones specific situation and giving them specific advice. 