Recent quotes:

401(k) Retirement Plan Investing Changes 2025: What You Need to Know - Bloomberg

For higher-earners who expect to be in a lower tax bracket in retirement, a Roth may not make the most financial sense. But if you're a high-earner and lose your income for a year, it could make sense to do a Roth conversion, said Jason Blumstein, founder of Julius Wealth Advisors. In that case, while you're in a lower tax bracket you may be able to pull money from a traditional tax-deferred retirement account, pay income tax on it at your temporarily lower rate, and roll it into a Roth account. Some 401(k) plans let savers do these conversions within the plan.