It depends on a number of issues. For example, if you want to retire early, you can withdraw Roth contributions after five years, but need to wait until 59 1/2 years old (or 55 in some circumstances) to withdraw from a traditional 401K or IRA.
If retiring early, it may be better to do traditional contributions while working and then do Roth conversions at lower tax rates during early retirement.
Bogleheads maintains a list [0] of many retirement calculators that can use the additional specifics of your situation to give a higher quality answer. It will generally require you to give it a plan for the rest of your life, so you'll want to try a number of scenarios to see if/how the plan changes.
Bogleheads also has an active forum that variations of this question have been asked many times. If you want to see what situations others have asked about in the Boglehead forums and the recommendations they got you can search with [1].
Comments
It depends on a number of issues. For example, if you want to retire early, you can withdraw Roth contributions after five years, but need to wait until 59 1/2 years old (or 55 in some circumstances) to withdraw from a traditional 401K or IRA.
If retiring early, it may be better to do traditional contributions while working and then do Roth conversions at lower tax rates during early retirement.
Bogleheads maintains a list [0] of many retirement calculators that can use the additional specifics of your situation to give a higher quality answer. It will generally require you to give it a plan for the rest of your life, so you'll want to try a number of scenarios to see if/how the plan changes.
Bogleheads also has an active forum that variations of this question have been asked many times. If you want to see what situations others have asked about in the Boglehead forums and the recommendations they got you can search with [1].
[0] https://www.bogleheads.org/wiki/Retirement_calculators_and_s...
[1] search for: traditional or roth 401k contributions site:bogleheads.org