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Reply to "Roth vs. Traditional 401K?"
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[quote=Anonymous][quote=Anonymous]I wonder if RMDs age could change in the future given life expectancy is only going up.[/quote] Yes— it’s something politicians can agree on because it’s a tax cut that is sold as enhancing “retirement savings”. It’s already gone up from 70 to 72 recently and it might well go up to 75 in the omnibus, or if not this year then another year. I actually think the smarter move is to go all traditional now and then, if you are still concerned about having too much in traditional, use the years between when you stop working and when SS and RMDs kick in to do partial conversions to Roth. It’s possible at some point Congress will get wise and shut that strategy off, but I think that’s less likely than extending the sate for RMDs (especially as Biden already tried once and had to give up). [/quote]
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