My company offers a 401K and a Roth 401K. Given the income level of my family (married filing jointly status), IRAs aren't really an option. We're past the Roth IRA limits and get no deduction for a regular IRA.
I think I understand the answers given on those questions, but I believe my situation may be different. Right our 401Ks are the only we we lower our taxable income (no mortgage, no children) besides charitable contributions. We are in a fairly high tax bracket. In the future, we actually expect our tax bracket to go down, as one of us may stop working. In retirement I don't see how we can be in a higher tax bracket than we are now (maybe than we will be if one of us stops working, we buy a house, we have a couple of kids, etc).
On top of that, since we are both fairly young all the money that would be going to taxes now has several years to earn compound interest in the 401K instead of being taxed now. Yes, all those savings will be taxed when they come out of the 401K in later years, but will that completely offset the value of having the interest compound now?
So should I switch over to investing in the Roth 401K and take the tax hit now, or is there anything to my current line of thinking?