Don't Contribute to Your 401(k)

By way of background, you typically contribute money to your 401(k) on a pre-tax basis. And, if you think you’ll be in a higher tax bracket when it comes time to withdraw your money from your 401(k) or IRA, the experts say it might make more sense to invest in a Roth IRA or Roth 401(k) or taxable account. On the other hand, if you think you’ll be in the same or lower tax bracket, than contributing to a 401(k) likely makes more sense.