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walden , (edited )

If there’s an option for the company contributions to be Roth I’d make sure to do that. Roth is a “suffer now, collect later” type of thing. You pay taxes now, and NOT during retirement (good because you’re young, likely in a lower tax bracket than you’ll be in during retirement, etc.). Even the earnings are tax free in retirement.

Anything extra you put in should also be Roth. There are IRS maximums for personal contributions, and a higher maximum for combined personal/company contributions. At your salary you likely will not encounter these maximums unless you are saving $1,875/month (which would make you hit the maximum in December) in addition to company contributions.

To 401k or not to 401k – I say 401k. With Roth you pay now, not later. With traditional you don’t pay now, but pay later. Outside of 401k you pay taxes now AND later (on the earnings).

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