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Money and Finances
Reply to "Roth vs. Traditional 401K?"
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[quote=Anonymous][quote=Anonymous]I've been roughly splitting my contributions equally between the two but wondering if I need to start shifting? HHI is about $250K, putting us in the middle 24% bracket. If we're only living off of retirement, then presumably we will be in a lower bracket than that (if we can even predict what things will be like that far out), meaning a traditional is starting to make more sense? How do you game it out? [/quote] Don't forget the state tax as well as the surcharge on capital gains/dividends that you may be paying (not sure when that kicks in). Even assuming your federal tax rate is the same in retirement, you could move to one of about 10 states and not pay tax on 401K withdrawals. The only real issue for high earners would be RMD. Do you want to be forced to withdraw money in retirement or avoid that by paying slightly higher taxes now?[/quote]
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