<prompt> Human: Im not doing much investing yet since I have a lot of student loan debt still, but I do contribute enough to my 401k to get my company match. I noticed just the other day that my company actually offers Roth 401ks as well. The match will still go into a 401k, but I generally see people recommend Roth IRAs, so would a Roth 401k be a better idea?Also why is it that people recommend Roth IRAs rather than regular IRAs? Im 22, make 75kyr and live in California. I feel like paying taxes on investments now would likely end up with me paying about the same if not more taxes than when I withdraw, so why should I risk it? Am I missing something?  <response>: Its all about tax rates. With a Roth, you pay tax now. With traditional, you pay it later. So if your tax rate is very low right now, it makes sense to pay the tax now to lock that in. If its high now, then it probably makes sense to pay it later, since it could be lower in retirement. If its in the middle, its a wash -- people often split the difference and contribute some to each.Roth IRAs have an additional benefit of letting you withdraw contributions without penalty, at any time.Personally, at your tax bracket assuming youre singlechildless, Id do traditional 401k and Roth IRA. The flexibility of a Roth IRA is nice, but Id also want some tax diversification since youre not in a super low bracket. If your tax bracket goes down, then switching to Roth 401k might be a good idea. If your tax bracket goes way up, then switching to traditional IRA might make sense -- however, there are income limits on that, so it gets more complicated. Marriage can change your rate significantly, too. 