Ok that makes sense. I'm just trying to get a hold on it for next year. I will be maxing my traditional 401k, along with my traditional IRA, but want to max sure there's incentive for doing traditional vs Roth. My total income (line 7 of my 1040) was 56,456. I recently got a raise, and only recently was I able to put into my 401k (the company recently changed that policy, it used to require 1 year of employment). Deductions was 5500 towards trad IRA. Taxable income ended up being only 34k, and brought me to 15 percent tax bracket. Should I still be doing all traditional even though this year I'll be maxing out 401k contributions?
