re: Expiration of “Trump” tax cuts

Multiple bucket is great but most people learn about it later in life when traditional 401k probably makes the most sense at their marginal income rates.

In your 20s and maybe even your 30s you should be making Roth IRAs and putting anywhere from the company match % to the annual maximums in Roth 401ks if available. Provides alot of flexibility early and typically at lower marginal rates. Traditional 401k from the 22% bracket onward and/or later in life.