TL;DR: You can effectively contribute more by using a Roth 401k. As a refresher, when it comes to your 401k, traditional means contributing pre-tax (you get taxed on all your withdrawals) and roth means contributing post-tax (you get taxed before you can contribute). If you read online, it seems like the only factor considered when thinking about Traditional vs. Roth 401k is whether you think you’re in a higher tax bracket now or in the future. While that’s still true, there’s one more detail when you’re maxing out your contributions. When you contribute to a Roth 401k, you’re effectively able to contribute more! What do I mean? To see this…