"; // Recommendations based on tax brackets var recommendationMessage = ''; if (employerMatch === 'yes') { recommendationMessage += "

Max out your 401(k) contributions to take full advantage of your employer's match. This is essentially free money and a great way to grow your retirement savings.

"; } if (currentTaxBracket <= 24 && futureTaxBracket >= 24) { recommendationMessage += "

Consider contributing to a Roth IRA. Your current tax bracket is lower than your expected future tax bracket, so contributing to a Roth IRA may help you avoid higher taxes in retirement.

"; } else if (currentTaxBracket > 24 && futureTaxBracket < 24) { recommendationMessage += "

Consider contributing to a Traditional IRA. Since you're in a higher tax bracket now, contributing to a Traditional IRA will reduce your taxable income, and you may benefit from lower taxes in retirement.

"; } else { recommendationMessage += "

Balance contributions between 401(k), Traditional IRA, and Roth IRA. Consider splitting contributions between accounts based on your current and future tax situations.

"; } if (age >= 50) { recommendationMessage += "

Take advantage of catch-up contributions. If you're over 50, you can contribute an additional $7,500 to your 401(k) and an additional $1,000 to your IRA.

"; } // Show results result.innerHTML = goalMessage + recommendationMessage; });