35 married filing jointly. After a few years of being paycheck to paycheck, we are finally getting to a more comfortable financial situation. Make $150k combined annually and firmly in the 22% bracket. Have $25k in a Roth IRA (VT and chill) that we are now able and going to max going forward. $125k in work 401k (target date) that started offering a Roth 401k about a year ago. I switched my contributions to 100% Roth and contributed $11k last year along with a 4% company match that goes to traditional. Just wondering if I should be doing a portion of my contributions as pre-tax? I figure I’m firmly in the middle of the 22% bracket that pre-tax doesn’t really help me much. Wife will have a pension from the State at retirement and am thinking we will probably fall in the same bracket at retirement. I already have the okay 401k base of $110k in pre-tax from before the Roth option was added, and with the company match going to pre-tax it will continue to grow as well. Mindset was to switch as much as I could to Roth until I get to 50/50 in totals and then re-evaluate. Thoughts or insights appreciated!