Reply to Which spouse should do the Roth?

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Reply to "Which spouse should do the Roth?"

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[quote=Anonymous][quote=Anonymous]So many things to consider. So, all those years or most of them, both of you were eligible to max your Roth (or back door it if income too high), but you wasted the years. You didn't know any better or the tax deduction for 401k and match was so enticing?
Did you really leave it up to some company to invest for you? Has your 401k kept up with VOO at minimum?
Can you keep your income low when his RMD starts? I wouldn't dare to add earned income or SS to it if his RMD is high. 
Do the Roths going forward. You don't know how big of a part will belong to government from tax deferred accounts. 
Is your income so high that you or DH have to do backdoor Roth or you are trying to get some of the money from 401k to Roth? It will take forever at $8k a year.
Glad you caught all this now. Read books like The Power of Zero. 
Personal finance is very personal. I don't have tax expense to speak of and I won't. It can be done.
All my money is in Roths and my returns are extremely high. They wouldn't be if I left someone else in charge of it all. 
My children will skip 401k. I don't care about the match. It's a one time thing, but keeps people from not being in charge of their own money and learning.

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You’re an idiot. The government could flip tax treatment of Roths just as easily as they could with pre tax vehicles.
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