Originally Posted by Ragtop Day

Depends on how long you have until retirement. Its more than just tax rates, it also includes taxes on the gains. If you have 30+ years to go, $10,000 now may grow to $100,000 at retirement. Better to pay income tax on the 10 large now and keep the $90,000 in gains later tax free.

If you only have a few years until retirement, the math probably works better in favor of a traditional 401k/IRA.

Of course everyones situation is different so do your own diligence/consult with an advisor etc.