Pre-Tax or Roth Contributions?

You can graduate from step six of the financial order of operations without reaching the full government limit on 401ks or 43Bs if it's 25% of your gross income. If you're in a low enough tax bracket, maybe you should consider doing Roth contributions to your employer sponsored retirement account. And I think it's important when we use terminology like max out retirement, a lot of people are thinking, hey I know right now the funding thresholds are what 20,000? 20,000?"