Welcome to the Jill on Money Show. It is Saturday, October 14th, and we are here answering

your financial questions, trying to field really interesting situations. You know, Mark and I,

we're just voyeurs. We happen to be voyeurs with certified financial planning designations,

but, you know, we like to hear your stories.

So if you've got a question or concern or maybe you just need a little help on something specific going on in your life, give us a holler.

Just go to Jillenmoney.com, click the contact us button and let us know if you would be willing to come on the air live with us.

While you're on the website, check out all the content that lives there. There's a blog, there's a

radio show. There are videos of my television appearances. There are resources there. Everything there.

And you can also sign it for the free weekly newsletter. And I think that's awfully nifty.

Comes out every Friday.

Right now, let's talk to Melissa,

who's on the line from California.

So what I'm puzzling about is whether I should be participating in the Roth 401k option via my employer.

I'm currently in a traditional, the traditional 401K through my employer, but the Roth 401k

kind of perplexes me because I'm not sure if it would be beneficial for me to participate

in it now because I don't know what my income in retirement is going to be.

So I'm not sure if the tax benefit would be better now or later.

Okay.

Tell us a little bit about yourself.

Are you single, partnered?

What do you got going?

Well, I'm partnered, but we keep our finances separate.

...