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Message: [QUOTE="ecasadoSBU, post: 5283752, member: 3976"] I get that. But I always have a preference to save taxes TODAY than to save taxes in the future. It maximizes your contribution and the money that grows tax free. I say get your tax savings today, and as you get older you can buy assets that may help you offset some of the distributions from your traditional IRA/401k income. With that said. I currently take a two fold approach: max out the pre-tax 403b and also do the max $7.5k Roth IRA contributions as a smaller side stash. But if I only had the option for one I would definitely fund the pre-tax first [/QUOTE]