Is there an actual good resource out there for helping to decide between traditional and Roth? Perhaps some sort of program that actually encompasses all factors?
People make it seem like it boils down to which tax bracket you think you'll be in when you retire vs where you are now. But it's way more involved than that. For example, if you defer Roth, the entire contribution might be taxed at the highest bracket you're in, but if you were to instead have it taxed when you withdraw during retirement, the first portion of it is taxed at the lowest bracket. But there's consideration for Social Security income or Real Estate. Also, another thing that is not often discussed is that if you defer the max, then Roth provides a higher effective max contribution as it's post tax.
Obviously there's a ton of unpredictability such as how your income will grow, tax reforms, where you'll live... For the time being, I think a good approach for myself is to utilize both as it is a way of diversifying as I don't know enough to choose one over the other.
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