no matching retirement, then ROTH?
If your employer doesn't offer matching funds for their 403b/401k, then does this usually wash out the advantages of a 401k over a ROTH?
In other words, is one about as good as the other when there are no matching funds involved? The generic advice seems to be: "contribute to the 401k until you have reached your employers matching limits, then contribute to your ROTH."
I'm in the ~25% tax bracket...I suppose the bottom half of the middle class (US).
The ROTH is easier to deal with.... I don't have to inform my employer or fill out special paperwork.