KD, I have a Roth question for you. Isn't a regular 401k, simply deferring your tax liability, thereby allowing your $$ to work for you over 30+ years. Then why do the Roth, because then you are paying taxes now and your money never works for you compounding multiple interest over years. Sure its tax free at the end, but that ignores the off-chance that legislation will be passed by the baby boomer generation allowing for lower tax rates on 401 k withdrawals (wait till they see what they have to pay, and they have the voting power to get it done). Maybe that doesn't happen but at least with my 401k, I'm still in the game if it does happen, the Roth guys have already paid taxes and are out of it.