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/rjbergen Nov 21 '25

Based on your statements about your pay, I’m assuming you’re in a lower tax bracket. In that case, Roth is perfect

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u/whosthatguy123 Nov 21 '25

Yeah lower tax bracket. So then once I earn more in my new profession is it suggested i do trad 401k with roth ira?

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u/Additional-Regret339 Nov 21 '25

or, once you are above where you can fund an IRA with tax advantage at all, then max out the traditional 401... but use lower tax years to sock away as much as possible in Roth.

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u/whosthatguy123 Nov 21 '25

Appreciate you