Lawrence Starr has been hitting the press with his viewpoint that Roth 401Ks are a bad idea for most people. I’m not as big a pessimist as he is because I believe in tax regime diversification. Since most people have much more money in their tax deferred savings than in their tax free savings, I favor contributions to a Roth style account for many. However, for those who to only contribute to a Roth without any tax deferred savings or who are considering converting all their tax deferred savings to a Roth, I think Starr makes some valid points
to mull over.