Quote Originally Posted by foxtrot View Post
Post-tax is never profitable in the long run, if the money you pay on taxes would have otherwise been invested. It's far, far more economical to invest into a 401k and invest the money you would have spent in taxes in the same. Of course, a lot of people don't do that, they do fixed percentages.

If the money a person pays on the taxes for a Roth account would have otherwise been spent on hookers and blow or something equally frivolous, then the Roth is more effective down the road.
Do you have examples that support this? I mostly feel the same way, but I'd like to see the numbers comparing post tax contributions when one is younger and in a lower tax bracket, compared to the tax rate of one's withdrawls 40 years from now when they will likely be in a higher tax bracket and taxes have (likely) gone up.