FILE - In this Nov. 30, 2017, file photo people are silhouetted against an autumn sky walk along the Schuylkill Banks Boardwalk in Philadelphia. A key benefit of a Roth 401(K) is that it provides tax-free income during retirement. In general, that means those who stand to benefit most are those whose tax bracket may be higher in retirement than it is now. That would include young workers with earning potential or even people who stand to have a large inheritance later on. (AP Photo/Matt Rourke, File)
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