<prompt> Human: Im 23. Ive been reading this sub for awhile now and getting my finances in check. Im just about at the point where Im ready to put money into a retirement account. Everyone seems to recommend 401k to matching, followed by Roth IRA, then back to 401k. I dont understand why you would want Roth 401k though. I know Roth is post tax and 401k is pretax. Since I wouldnt be taking this money out till im retired and have 0 income, wouldnt 401k make a lot more sense? I dont see why I should put any money at all into a Roth. Could someone explain?Some more info:Im currently making 77k. My SO is making 47k.  <response>: Since I wouldnt be taking this money out till im retired and have 0 incomeIf youre taking money out, you wont have 0 income. 