Do I Need a Pre-Tax Bucket?

Bongo: Is a two bucket strategy viable? That's kind of the crux of what he's asking. He says, if I have access to a Roth 403b and am maxing it out, do I still need a pre-tax bucket? We know a number of successful individuals that don't own a home. They choose to rent on purpose. There's nothing wrong with that. Money is nothing more than a tool to allow you to do the things in this life that you want to do.