It might also make for a less stressful retirement. Saving for retirement in a Roth account won't just potentially get you out of paying taxes on Social Security benefits. This holds true even if you withdraw $40,000 a year from your Roth savings plan. In that case, your provisional income is $14,000, which puts you below the threshold of having your Social Security benefits taxed. So, let's say you're entitled to $2,000 a month from Social Security, or $24,000 a year, and you also earn $2,000 a year in municipal bond interest but have no other income aside from Roth 401(k) or IRA withdrawals. And those withdrawals don't count when calculating provisional income. But instead, you get tax-free withdrawals in retirement. When you contribute money to a Roth savings account, you don't get an immediate tax break like you would for funding a traditional IRA or 401(k).
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