It's Brian Preston, the money guy, restoring order to your financial chaos, retirement,

investing, taxing.

You've got financial questions, he's got financial answers.

It's Brian Preston, the money guy.

Brett has a question.

Since my company, Match, in my 401K is always a traditional contribution, should I keep

my contribution as Roth to start building on the three-bucket strategy?

For some context, I contribute 10% and my company Match is 10%.

Whoa.

I know.

Big time.

It's really interesting, Brett.

Right now you're thinking, okay, my company's putting money.

It's already going in pre-tax.

I'm trying to determine, well, if they're doing pre-tax under the Roth, I think that the

way you make that decision is less about what your company is doing and less about their

contribution and more about your personal circumstance.

You have to determine what's more valuable to me is the current year tax benefit of

putting money in pre-tax more valuable or is the tax-free benefit of Roth in the future

more valuable.

You have to make some assessment on, okay, what is my tax rate today and what do I think

tax rates will be when I need this money in the future and you have to rub your crystal

...