So the difference between a pre-tax retirement contribution versus a post-tax Roth contribution is when the taxable event occurs. Your second sentence assumes your marginal income tax rate will be higher in the future, so I think you have answered the question already. Whether it is better to pay now or later is a matter of preference. If your preference it to pay taxes now, especially as you feel that your marginal tax rate will be lower, I say go for it. Others want to delay taxation as much as possible, so I would not discourage them either. There is no once size fits all answer here. Since you have a preference for now, please proceed with the Roth.
Thanks again for the question @jad56061
All the best,
Marc
Employee Tax Expert
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