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Reply to "Should I max out my pre-tax retirement options?"
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[quote=Anonymous][quote=Anonymous]40yo gov worker married to a 45yo gov worker, with a combined hhi of $300k, 2 young kids. We're already maxing out our Roth retirement options ($20,500 for a 457 and 401k each in 2022). I have contributed zero dollars to my post tax accounts (which have a max limit of $6k/year). We don't need the money monthly so I won't miss the reduction from my paycheck, but is there any reason not to do this? The kids' 529s are also in good shape. Between our retirement accounts today, plus our pensions, I'm not worried about our retirement funds but still if I don't need the money today is it silly not to max out all of my retirement options? Or should I invest them into something more liquid?[/quote] At your income you should have done pre-tax before Roth. I mean, your decision there was kind of idiotic.[/quote]
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