Welcome to the Jill on Money Show.

It's Wednesday, September 7th and we are here trying to help you parse what is really

important in your financial journey.

So many times you come on the air with us and you focus on one thing and then we go to

a different place and that's so cool.

So no judgment here, no finger wagging here, you're all great people, we love our community,

we just want to help you out.

So you can always go to the website JillOnMoney.com, click the contact us button and we'll get

your note and we'll also get you on the air if you click that box right now we're talking

to Shirley.

I am kind of in a dilemma right now, I'm trying to make the decision about whether to do

my 401k contributions on a pre-tax basis or using the Roth option that my employer offers.

Okay, tell me a little bit about yourself, married single and how much do you earn?

I am a divorce woman, I am about 47 years old, I make about $70,000 a year.

I kind of have a mix of retirement savings right now so when I retire I'm going to have

a real diversity of income streams, I'm going to have some defined benefit pension, I'm

going to have hopefully social security but I also have already have some, I have a

Roth 401k, I have a couple traditional IRA options and I also have a 457 deferred compensation

plan account so I'm just trying to weigh my options and figure out if it makes more sense

for me at this point to really invest in the Roth 401k option or if traditional would

still be better.

Okay, so let's just run down to some of the numbers though.

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