<prompt> Human: Started my first job, earning about 80k annually.Im confused about traditional vs roth 401k. The guide says if you think you will be in a lower marginal tax bracket, you should go with traditional 401k. Now from what I gather, my yearly salary should be increasing anywhere from 7-15 depending on performance a year and after my MBA I hope to earn a heck of a lot more. Doesnt this mean that in 43 years my marginal tax bracket will be higher?Im confused as to whether I should go with a traditional or roth 401k because I hope to do well and earn more. If I go with traditional, I can invest the money I save back into investments and hopefully over a 42 year period have a lot more money. If I go with Roth, all it means is that I wont be taxed when I remove the money when I retire right? So if I need to take out 40k, with a Roth Ill not be taxed but with traditional Ill have to pay taxes?Please help! Additionally, I want to know whether you guys think it is a good idea if I go with a 7030 stockbond profile to invest 2k monthly to my vanguard account. Ive been reading and I think the 3 blend option seems really nice.  <response>: Now from what I gather, my yearly salary should be increasing anywhere from 7-15 depending on performance a year and after my MBA I hope to earn a heck of a lot more. Doesnt this mean that in 43 years my marginal tax bracket will be higher? Your yearly salary in 43 years has nothing to do with what your marginal tax bracket will be in retirement because you will no longer be working thats the point of retirement. When comparing tax brackets now vs then, you are supposed to compare what your current tax bracket is now from your salary vs. what your tax bracket will be in retirement which is determined by how much money you want to live on and thus will be paying yourself from your tax deferred retirement accounts. 