3 Reasons I Don't Have a Roth 401(k)

I recently had the opportunity to switch from a traditional 401(k) to a Roth 401(k). A Roth 401(k) is appealing for the tax benefits. As with a Roth IRA, you don't get a tax break on your contributions. But as long as you follow certain rules, your money grows tax-free and is 100% yours when you retire -- though your employer's contribution is always considered pre-tax; therefore, it's always taxable when you withdraw it.

While the idea of tax-free income in retirement is certainly appealing, I decided to pass on a Roth 401(k). Here's why I stuck with my traditional 401(k).

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Source Fool.com