# Pre-Tax, After-Tax, Roth: How Should You Distribute Your 401(k) Contributions?

Page: https://stenobird.com/podcast/real-personal-finance-598374/pre-tax-after-tax-roth-how-should-you-distribute-your-401-k-contributions
Text version: https://stenobird.com/podcast/real-personal-finance-598374/pre-tax-after-tax-roth-how-should-you-distribute-your-401-k-contributions.md
Podcast: [Real Personal Finance](https://stenobird.com/podcast/real-personal-finance-598374)
Published: 2025-08-29T03:00:00+00:00
Episode link: https://www.buzzsprout.com/2066103/episodes/17744469-pre-tax-after-tax-roth-how-should-you-distribute-your-401-k-contributions.mp3
Audio file: https://www.buzzsprout.com/2066103/episodes/17744469-pre-tax-after-tax-roth-how-should-you-distribute-your-401-k-contributions.mp3
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Duration seconds: 1053

## Resource

People often think of their 401(k) as the set-it-and-forget-it retirement account. You set your contribution amount, get your employer match, and leave it alone. But what if your company gives you pre-tax, after-tax, and Roth IRA options? It’s a nice problem to have, but things can get complicated pretty quickly. In this episode, we’re answering a listener question from someone in just such a predicament, which is pretty common in the world of tech. Listen in as we get practical and break dow...

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## Transcript

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