Make a tax-savvy choice when choosing between Traditional and Roth contributions
Traditional (pre-tax) contributions are taxed when you withdraw the money, while Roth contributions are taxed immediately. Therefore, choose such that you end up paying taxes while in the lowest possible tax bracket. Use the following guide.
My tax bracket this year is (higher/lower) than my projected tax bracket will be at the time funds are withdrawn.
If higher than choose traditional (pre-tax contributions). If lower than choose Roth.