<prompt> Human: Until today, I was investing in traditional 401k. However recently I found out most of my colleagues are investing in Roth 401k. I spoke to them and they were like, it grows tax free and have less restrictions.Example give by my colleague rough calculations:Traditional 401k:Say you invest 100k pre-tax and at retirement it is 3x 300k.. you pay 0 tax, and get 300k in handTotal taxable income: 300kTotal tax paid: 300k.3090k taxEditRoth IRA:Say you invest 143kpre-tax - 100k post-tax and at retirement it is 3x 300k.. you pay 0 tax, and get 300k in handTotal taxable income: 143kTotal tax paid upfront: 143k.3030k taxOff course for this calculation, the assumption is your tax bracket remain same, even if it doesnt taxable income diff is huge. Wondering what do you guys think about this calculation and what do you guys invest in and why?Thanks a lot for your time! Appreciate it.  <response>: Youve got to consider that 30k in taxes you paid on the Roth could have been invested and earned money itself. 1. You will likely have a lower tax bracket in retirement 2. The tax amounts come out to be the same at the same tax brackets. 100k at 30 Roth you pay 30k. The 70k grows at 7 for 30 years to 533k. 100k traditional after 30 years at 7 is 761k taxed at 30 is 533k. 