Roth vs. Traditional 401(k) in 2026: How Your Tax Bracket and Time Horizon Shape the Better Choice
Retirement
February 4, 2026
When deciding between Roth and traditional 401(k) contributions in 2026, it comes down to when you want to pay taxes: traditional 401(k)s lower your tax bill now, but you'll pay taxes on withdrawals in retirement; Roth 401(k)s make you pay taxes up front, but your qualified withdrawals—including investment growth—are tax-free later.
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