Traditional or Roth 401(k)? Here's What Actually Matters

Make confident 401(k) contribution decisions with a better understanding of Traditional vs. Roth options.In this short educational video, we break down one of the most common questions 401(k) participants ask: Should I contribute pre-tax to a Traditional 401(k) or after-tax to a Roth 401(k)? We walk through the key differences to help you make an informed decision based on your personal situation.

• The core differences between Traditional and Roth 401(k) contributions
• When you pay taxes — now vs. in retirement
• General rules of thumb based on age and tax bracket
• 2026 401(k) contribution limits and catch-up rulesHow Required Minimum Distributions (RMDs) factor into retirement planning

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📞 Schedule a Call With a Bayntree Financial Planner to discuss your 401k or check out the other tools we discussed in this video