My wife and I both work for a state university that recently began offering a Roth 403(b) option. I am 52 and she is 47. We both contribute the maximum to the traditional retirement plan and to a traditional 403(b), as well as making the maximum contribution to Roth IRAs. I've used various online calculators to try to determine if we should switch new 403(b) contributions to the Roth option, but the result always comes out to just a couple hundred dollars or less monthly income difference one way or the other. I wonder if I'm missing some significant considerations or if the decision really is just a toss-up for people our age. I'd greatly appreciate some insight on how best to weight this decision. Thanks! Jerry, Hillsborough, NC