Personal Finance and Investing

That said, I've exhaustively run simulations of these scenarios and the differences in outcomes aren't that significant. The important thing is to reduce expenses and save as much as you can in whatever account you prefer. The amount you save matters most.

Good earners with 401K's can generally salt away a bit more in a Roth IRA unless they are really killing it with their W-2 income. So, there's often no need to choose one or the other: choose both to hedge the tax exposure.