It's the best motivation to save for retirement that we've seen in America. Everybody should be in the Roth game if they can.
So a working couple can contribute a lot more with a Roth 401(k). Each spouse can put $15,000 into a Roth 401(k). It's an opportunity to put a lot of money away that you'll never again have to share with the government.
A Roth 401(k) or a Roth IRA takes the uncertainty out of predicting the future.
If there's one generalization you can make, it's that Roth IRAs are for younger people, but that may extend up as high as 50, depending on the circumstances,