Re: 401k contributions: pre/post tax and roth.
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You will also want to consider what your tax situation will look like now vs. when you're 60. That may be difficult, or even impossible, to do, but right now straight out of college it's likely that you're in a lower tax bracket than you will be. This would be another pro to investing post tax dollars, as you'd pay more taxes on this money in a higher tax bracket. Who can say what the tax system will be in 2050 though.
[/ QUOTE ] This is where I am a little ignorant. If I am retired drawing money from my 401k/IRA isn't that money taxed at a lower rate because it is investment income as opposed to earned income (other than the actual contributions)?
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