Reply to HYSA vs. 401k

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Reply to "HYSA vs. 401k"

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[quote=Anonymous][quote=Anonymous]All this money should be in Roth. I see risk in:
not taking advantage of tax free growth forever
not learning to invest on your own for which Roth is great
Roth which is easy to inherit (hysa and 401k were painful to inherit)
HYSA loses money in terms of purchasing power as they print more money, so why even bother.
401k has too many fees, taxes, rules, RMD, and lousy customer service among other things.
You need to be in hard assets as they print more money. 
You should be investing, not saving. 
What you are doing is risky. Stocks are marching ahead, because they got to include the money being printed out of thin air, and that's where some of the money will go.[/quote]

All this talk of Roths.  We haven't been eligible to contribute to a Roth for the last 20 years because of income being too high.  How many people in the DMV are?  Isn't the limit for a married filed jointly couple something like $240K?   And neither of our employers offers the back-door option.

Or am I missing something? [/quote]

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