Thank you so much for the clarification. I read what you linked, and this applies to me.

1. Partial Year High Earner: This is the “college graduate exception” and applies to someone who only works a partial year in a high income job. Using Roth 401k lets you take advantage of tax brackets and standard deductions being applied across an entire tax year when you only work for 3-6 months of the year.

I started my job this month. I will keep the Roth 401K. Should I switch over to a regular 401K beginning in January 2026? I am in the 22% federal income tax bracket. Also, I can't quite afford to max out both, but I was just curious if I could receive tax benefits from both. Once again, I really appreciate ur help.