Tax-free Income – Your Successful Retirement

Should You Contribute To Your 401(k) On a Roth Basis?

By Your Successful Retirement | August 27, 2026

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A Roth 401(k) can be a powerful retirement savings tool, but is it the right choice for everyone?

In this YSR FAQ episode, Dennis O’Keefe discusses how Roth 401(k) contributions work and the factors that determine whether they make sense for your situation.

The conversation explores current versus future tax brackets, the benefits of tax-free withdrawals in retirement, and why age can play a major role in the decision. Dennis also explains the importance of understanding tax rules and why younger investors often have more to gain from Roth contributions.

If you’ve been wondering whether to save on a traditional or Roth basis inside your workplace retirement plan, this episode offers practical guidance to help evaluate the tradeoffs.

Key takeaways:

How Roth 401(k) contributions work
The role tax brackets play in the decision
Why younger savers often benefit more from Roth accounts
The five-year Roth rule
Factors to consider before making a change
And more!

Connect with Dennis O’Keefe:

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