Originally Posted by RonRicco

If you are in a high tax state, that is certainly a factor. Like anything else, there are a lot of considerations. Do you think tax rates are going up? How much tax deferred savings do you already have? How much “never taxed again” (well, I won’t put anything past the government) savings do you have?

In retirement many will play the tax bracket game. Having Roth or cash to avoid creeping into the next bracket makes this possible.

Many savers also prefer to pay the taxes now while they can more easily afford it as opposed to paying them in retirement, hence why so many people close to retirement still do the Roth or Mega Backdoor Roth.