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REDDIT

Should i stop contributing to Roth 401k? and Make all future contributions to Trad 401k?

S
Mar 12, 2026 · 18:37

I was working on my taxes and i realized something crazy. Houshold income approx 230k.

Both of us contributed below for 2025. we are maxing out in 2026 and going forward mostly.

1. Trad 401k - 13k + 13k

2. Roth 401k - 8k + 8k


when i was doing taxes i owe approximately 3000$, So i was playing aournd with W2 numbers in tax software and realized that if i would have just made that 16k to trad 401k, i am getting a 2k refund. So thats like a 5k savings.


My thought process for roth 401k is i might take one lump sum like 100k when i retire. But it seems like i may be doing it wrong. Any advice will help.


BTW we also having ROTH IRA and max out last 3 years. So should we just max out my Trad 401k and keep it simple?