Pre tax vs Roth

So the difference between a pre-tax retirement contribution versus a post-tax Roth contribution is when the taxable event occurs.  Your second sentence assumes your marginal income tax rate will be higher in the future, so I think you have answered the question already.   Whether it is better to pay now or later is a matter of preference.  If your preference it to pay taxes now, especially as you feel that your marginal tax rate will be lower, I say go for it.  Others want to delay taxation as much as possible, so I would not discourage them either.  There is no once size fits all answer here.  Since you have a preference for now, please proceed with the Roth. 

Thanks again for the question   @jad56061 

All the best,

Marc 

Employee Tax Expert