Core Insights - The article discusses the growing popularity of Roth 401(k) plans and highlights the importance of considering them for retirement savings [2][3] Group 1: Roth 401(k) Plans - Roth 401(k) plans have become more popular, with 85% of employer-sponsored plans offering this option, yet only 18% of employees utilize it [2] - Unlike Roth IRAs, Roth 401(k) plans do not have income limits, making them accessible to high earners [4][5] - Contributions to Roth 401(k) plans are made with after-tax dollars, allowing for tax-free withdrawals in retirement if certain conditions are met [6][7] Group 2: Expert Opinions - Personal finance expert Suze Orman emphasizes the advantages of Roth 401(k) accounts, arguing that individuals should prioritize them regardless of their tax bracket [5] - Orman warns that traditional 401(k) plans, while providing upfront tax benefits, can lead to tax liabilities upon withdrawal in retirement [6]