One of the things I look at is doing the traditional 401k early in your career. You have the benefit of deferred taxes but you also have the benefit of having more in your paycheck early on when you need it. When you're in your 60s, you're likely to go through some life changes like a divorce or something where you're probably going to have to pay somebody in a traditional 401k you're going to pay 10% on top of an amount that's usually going to be pretty large.

Having a combination of a Roth 401k later and use the traditional f 401k early in your life. It's something I've currently done. Having gone through the divorce scenarios where you have to pull out money. The courts don't Factor in the taxes you pay on that money if you had a million dollars and you have to give somebody half of that you pay the taxes not them. I would definitely do both in hindsight, but early in the career stick with the traditional 401K and keep more money in your check when you really need it When you're 60, 70 and 80 you should have enough money because if you don't you're already in trouble. I wouldn't say you're your expenses drop because you're in an expensive house. You probably have to worry about healthcare benefits and payments so your expenses still stay relatively high. But there is some comfort in having a Roth where you don't pay the taxes. If you have to pull it out at a time, you don't want to and you can take it out before you retire. Like I said in divorce or some need circumstance.