respond to the following: I would choose the traditional 401k. Having the company match what I am putting in will help me grow my funds. I have had emergencies come up and had to borrow from my traditional 401k and I like to have that option available. With a company match of 5%, I would put at least that much in if possible. This is something that an uncle told me to do when I was younger and then when I finally had an employer that had this as an option for me, I set it up right away. I did not have the funds at the time to deposit the full amount but as I got myself into a better financial situation, I increased it. I would choose the automatic increase. For me this is because I get raises so that means that I have more to contribute. I never notice the money that I am "missing" because I never see it until I look into my 401k account. As I am getting older, I like to diversify what I am doing with my money and have both