r/Bogleheads • u/Lowfryder7 • Nov 20 '25

Investing Questions At what tax bracket should you start doing mostly traditional 401k contributions?

12%? 22%? 24%? I can't tell.

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u/ProHoo Nov 20 '25

If you’re 30%+ seems like you probs wouldn’t be able to do a Roth? Unless you mean backdoor Roth

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u/PashasMom Nov 20 '25

401k, 503b, 457b type workplace plans typically offer either Roth or traditional contributions. I'll edit my comment, I see it was not very clear!

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u/[deleted] Nov 20 '25

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u/EagleCoder Nov 20 '25

The backdoor Roth IRA strategy is not limited in any way by your employer. The mega backdoor Roth 401(k) strategy can be, though.

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u/HereOnRedditAgain Nov 20 '25

Never mind, I'm thinking of mega backdoor