<prompt> Human: Im age 25. Live in NYC. In the lower end of the 24 tax bracket. Ive only ever gone Traditional with my 401Ks contributions since I started working, but Im learning that it might be more beneficial under my current situation to switch to Roth. Any advice? EDIT: Thank you all for the responses. Super helpful! Something I didnt highly consider was my current living situation. From what Ive gathered, since I dont plan on living here in the next 2 or so years, it almost seems if I switched to Roth Id be throwing away money. If I want to split contributions, Traditional will be the priority. Im thinking an 8020 or 7030 split.  <response>: I was in your exact same position, same tax bracket and was contributing solely to traditional 401k. A couple of months ago, I started aggressively contributing to Roth in an attempt to bring both TraditionalRoth to a equal balance. The idea is, when in retirement, the Roth contributions will reduce my taxable income keeping my traditional contributions from being taxed at a higher rate. Someone please correct me if Im wrong, but at your current salary you could lean either way without much impact, it becomes a question of whether you believe your taxable income will be higher or lower in retirement. The important part is that youre asking these questions and being proactive for retirement. : 