Contributing to a Roth 401(k) can affect your take-home pay in a few ways. Unlike traditional 401(k) contributions, Roth 401(k) contributions are made with after-tax dollars, which means they do not reduce your taxable income in the current year. As a result, contributing to a Roth 401(k) may lead to a slightly lower take-home pay compared to contributing the same amount to a traditional 401(k). However, the impact on take-home pay may not be as significant as it seems, especially for those in lower tax brackets. Additionally, the long-term tax benefits of a Roth 401(k) can outweigh the immediate reduction in take-home pay. It's important to consider the potential tax-free growth and tax-free withdrawals in retirement that a Roth 401(k) offers. Overall, while contributing to a Roth 401(k) may reduce your take-home pay in the short term, it can provide valuable tax advantages and potentially increase your retirement savings. It's advisable to consult with a financial advisor or tax professional to determine the best approach based on your individual financial situation.