“Employer contributions (matches) and employee contributions can have different tax treatments. Even when you elect Roth (after-tax) contributions for your portion of pay, employers typically place their matching funds into the tax-deferred part of the plan (or into a pre-tax account) unless the plan explicitly treats the match as Roth. That means the employer match usually grows tax-deferred and will be taxed on withdrawal in retirement. Understanding this separation — employee choice for tax timing vs. employer match treatment — helps you project future taxable income and plan rollover or conversion decisions responsibly. It also clears up a common misconception that putting your contributions into a Roth automatically makes the employer match tax-free.”