<prompt> Human: Everyone I know keeps telling me I should choose Roth 401k over traditional 401k because I will be paying more taxes in the future, so its better to pay them now. I took a look at the tax brackets from both Federal and State. I want to see if my income increases in the future, how much tax would I pay. Heres what I found single tax brackets only. I am resident in New York, and my state tax rate is 6.65. I need to make 215,400year in the future to be in the next tax bracket which is 6.85My federal tax rate is 28 WTF?, and I need to make 195,450year in the future to be in the next ta bracket which is 33Let me be honest. I dont think I can ever make that much money in a year, and I am confident a lot of people cant make that jump, so why is everyone still saying Roth 401k is better than traditional 401?  <response>: Everyone I know keeps telling me I should choose Roth 401k over traditional 401k because I will be paying more taxes in the future, so its better to pay them now.The real answer is, you need to start knowing better informed people. The decision to go Roth vs Traditional varies. It depends on your personal financial situation. You probably heard Go Roth because for people early in their careers, that is generally good advice. But not everyone revisits the situation when their income goes up.Yes, single in the 28 bracket is about the peak for most people. Maybe slightly into 33 for a few lucky ones. So youre right, traditional is probably better for you.Both a traditional and Roth 401k have a place in your retirement nest egg, and you neednt choose between them. In fact, the best move may be to hedge your bets if your employer is one of the 50 of plan sponsors that offer both. 