Hey guys on a 65k salary should I set my pre tax just enough to keep all my money in the 12% bracket and anything beyond what it takes to keep me in the 12% bracket put into roth? I do earn some overtime so I was thinking I'd keep a small buffer with the pretax above what I'd actually need to keep it under 22%. Just wondering what the optimal way to do it is and will it matter that much vs going all pre tax? I do plan on having a pension in retirement as well.