text:  we're sitting down with now are going, hey, you know, I don't know what to do. Should I put some in the Roth? Should I put some in the traditional 401k? Well, if you're like this family and you've got the bulk of your money that's already pre-tax, it may make sense. I know you're in a higher tax environment, but guess what? For the next two years, it's on sale. Those tax brackets, whatever bracket that you're in today is on sale because of the Tax Cuts and Jobs Act, which is due to expire in 2026.