is it better to do pre tax or after tax contributions 
whether it is better to do pre tax or after tax contributions will depend on the individual and their financial circumstances generally it is recommended that pre tax contributions are better for higher earners while after tax contributions are better for lower earners particularly those who expect to be in a higher tax bracket when they retire the bottom lineafter tax contributions into retirement accounts can be beneficial if you expect to be in a higher income tax bracket when you are retired this may not always be the case and everyone s situation is difficult generally it s good to have a mix of retirement accounts that allow for tax advantages in the present and when you are retired 