<human>: Provide a brief overview of the text.

About a year ago I made the switch for both myself and wife to have our 401k contributions be ROTH. Our employer matches however are traditional and both end up commingled in a single account.

I probably should have been doing this year's ago when our incomes were much lower but can't change the past. I'm now looking at tax brackets (we are in the 28% bracket) and figure we will be in this bracket at retirement in 25-30 years. So that being equal the Roth Contributions would at least allow tax free growth. 

My concern is our incomes will rise and we will cross into the 30% bracket next year and 33%  the year after as my wife has taken a new job at a much higher salary. We would most likely stay in the 33% bracket until retirement. Because I'd rather not pay 33%. Tax now by contributing to the Roth to avoid paying 28% in retirement I think once we cross into the 33% in a 2018 we should flip to traditional contributions. 

My other thought was since I don't know that I'll be in a 28% bracket at retirement (I can assume the income I'll have then but the brackets/rates could change) I could split our contributions to be 50/50 Roth/Tradjtional as a hedge. This would leave me with options of where to pull money from in retirement. 

Wanted to reach out here and see what others are doing and maybe get some other ideas I haven't thought of.
<bot>: To Roth or not to Roth... That is the question. If going Roth at what income bracket do you decide to switch back to traditional or do you split between both as a hedge.