If you are on the Captain pay scale or even a top end F/O, every calculator that I have looked at tells me Roth 401(k) is not a good deal. Same for the conversion.

My situation tells me I have to pay over $80k in taxes now and with 15 years to go I don't make up the difference. Also with being in the tax bracket that we are, it's better to take the $18k investment pre tax.

Anyone else see something different, am I missing something?

Meeting scheduled with financial advisor on Tuesday.