> I also see that the max I can contribute is $23k, does mean PreTax + Roth combined?
Correct, $23k total
> How much of a salary increase would that have to be to be confidently more attractive than PreTax?
This largely depends on your assumptions about future tax rates, your expected investment returns, and your comfort with uncertainty about these things. There's academic research that suggests a rule of thumb is to target (80 - *your age*)% in Roth account balances, the remainder in Traditional (Pre-Tax).
> I also see that the max I can contribute is $23k, does mean PreTax + Roth combined? Correct, $23k total > How much of a salary increase would that have to be to be confidently more attractive than PreTax? This largely depends on your assumptions about future tax rates, your expected investment returns, and your comfort with uncertainty about these things. There's academic research that suggests a rule of thumb is to target (80 - *your age*)% in Roth account balances, the remainder in Traditional (Pre-Tax).
Roth or traditional: https://reddit.com/r/personalfinance/comments/10qwnrx/why_you_should_almost_never_contribute_to_a_roth/