What are the differences between a Roth and before-tax 401(k) and which option would be more beneficial for my retirement savings?

The main difference between a Roth and before-tax 401(k) is how they are taxed. With a Roth 401(k), you contribute after-tax money, so withdrawals in retirement are tax-free. With a before-tax 401(k), you contribute pre-tax money, so withdrawals are taxed as income in retirement. The best option for you depends on your current tax situation and future tax expectations. If you expect to be in a higher tax bracket in retirement, a Roth 401(k) may be more beneficial. If you are in a higher tax bracket now and expect to be in a lower tax bracket in retirement, a before-tax 401(k) may be better.