nenesuperni Posted January 20 Report Posted January 20 19 hours ago, rmJU72 said: Always pretax #1 and then contribute to after tax with Roth conversion as #4 in my earlier list. People tend to overestimate their withdrawals at retirement. Even if you have all pretax if you withdraw below income tax levels at retirement, you are not paying taxes on them. So better use the current pretax quota for sure. 14700 or 28k per annum easy ga withdraw chestham ga? ! that is the rate now ! Quote
rmJU72 Posted January 20 Report Posted January 20 37 minutes ago, nenesuperni said: 14700 or 28k per annum easy ga withdraw chestham ga? ! that is the rate now ! Generally we are in lower tax bracket in retirement than when working. So pretax makes sense. If you expect otherwise, which is rare, then put in Roth 401k instead of pretax. As for myself I do both pretax and do after tax with Roth conversion to get the best of both scenarios. Quote
nenesuperni Posted January 23 Report Posted January 23 On 1/20/2025 at 11:25 AM, rmJU72 said: Generally we are in lower tax bracket in retirement than when working. So pretax makes sense. If you expect otherwise, which is rare, then put in Roth 401k instead of pretax. As for myself I do both pretax and do after tax with Roth conversion to get the best of both scenarios. yeah, if we withdraw less than 100k, it should be good. ah point miss ayna Quote
Recommended Posts
Join the conversation
You can post now and register later. If you have an account, sign in now to post with your account.