Traditional 401(k) versus Roth 401(k) Crystal has decided to contribute to a savings program. She can open a traditional 401(k) or a Roth 401(k) and has determined that she can afford a $15,600 contribution. Crystal's salary is $130,500 per year, and she is in the 32% tax bracket. If Crystal decides to go with a traditional 401(k), her contribution amount will be: And the amount offset via a reduced tax bill will be If, instead, Crystal decides to go with a Roth 401(k), her contribution amount will be And the amount offset via a reduced tax bill will be Assuming all the same facts, suppose that Crystal decides to open both 401(k) plans, splitting what she can afford to contribute equally between both plans. Under this scenario, Crystal's contribution amount will be And the amount offset via a reduced tax bill will be When Crystal retires, which plan's monies will she be able to exclude from taxable income