What’s the difference between PRE TAX, ROTH BASIC, and AFTER TAX?

Question

I have the option of all 3, what are the basics for each?

In: 1

Answer 1

One thing not mentioned so far is that a Roth is not subject to Required Minimum Distribution) RMD when you reach mid 70’s, which can jack up your taxes paid well into retirement. This is why Roth conversions are a thing.