Pre-Tax, After-Tax, Roth: How Should You Distribute Your 401(k) Contributions? episode artwork

EPISODE · Aug 29, 2025 · 17 MIN

Pre-Tax, After-Tax, Roth: How Should You Distribute Your 401(k) Contributions?

from Real Personal Finance · host Scott Frank

People often think of their 401(k) as the set-it-and-forget-it retirement account. You set your contribution amount, get your employer match, and leave it alone. But what if your company gives you pre-tax, after-tax, and Roth IRA options? It’s a nice problem to have, but things can get complicated pretty quickly.In this episode, we’re answering a listener question from someone in just such a predicament, which is pretty common in the world of tech. Listen in as we get practical and break down the max contributions, pre-tax vs after-tax vs Roth, and much more. Ready to learn more? Scott Frank on LinkedIn Stone Steps Financial Leave us a question! How Much Do I Need To Retire? Quiz:https://www.stonestepsfinancial.com/howmuchMoney can be confusing, but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial.

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People often think of their 401(k) as the set-it-and-forget-it retirement account. You set your contribution amount, get your employer match, and leave it alone. But what if your company gives you pre-tax, after-tax, and Roth IRA options? It’s a nice problem to have, but things can get complicated pretty quickly. In this episode, we’re answering a listener question from someone in just such a predicament, which is pretty common in the world of tech. Listen in as we get practical and break dow...

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Pre-Tax, After-Tax, Roth: How Should You Distribute Your 401(k) Contributions?

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