Pre-tax vs. Roth 401(k): Deciding which to use for retirement is trickier than you think

LTC Eugene Chu, completely agree on the factors which go into deciding the 'best' one for your investments.

However, in many cases it doesn't matter. Why? Because according to the U.S. Census Bureau, only 41% of workers actually contribute to a tax-advantaged savings plan (i.e., 401(k), self-directed 401(k), 403(b), IRA, etc.)! What do the other 59% plan on doing? Living off of Social Security (said in a 'scoffing disbelief' tone)?

I've had a mixture of them and the article is exactly right regarding the "what ifs" that need to be considered to find the optimum saving method. But, I think people need to 'pull the trigger' on whatever option is available - saving in a plan that isn't optimum is a LOT better than not participating in any future savings plan.