[Yo-Yo]

If you dont want to get into this trap, contribute only to Roths. If you are contributing to traditionals, stop and start contributing to Roths.

Many corporations only offer matching-contribution 401Ks as retirement plans.

Can you convert a corporate retirement 401k to a Roth IRA? The corporation certainly isn't going to contribute to the Roth for you.

[Magnum44]

Depends on hwat the company offers, but my company allows me to decide if I contribute to Roth or Tradition. Now, matching funds from the company, which are untaxed at timer of deposit, must be traditional and you are responsible for taxes on withdrawal. At 59 1/2 years of age you can rollover those tradition contributions to Roth, paying the tax for it at time of conversion (a time of your choosing convenient to your tax and retirement planning to minimize your taxable income). Once rolled over, contributions and gains are tax free when you withdraw.

[Magnum44]

Wow, I had a lot of typos in my earlier reply. Lets try that again, just in case it was not clear...

Depends on what the company offers, but my company allows me to decide if I contribute to Roth or Traditional. Now, matching funds from the company, which are untaxed at time of deposit, must be traditional and you are responsible for taxes on withdrawal. At 59 1/2 years of age you can rollover those traditional contributions to Roth, paying the tax for it at time of conversion (at a time of your choosing convenient to your tax and retirement planning to minimize your taxable income). Once rolled over, contributions and gains are tax free when you withdraw.