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[quote=Anonymous]There's a back door to contribute to Roth outside of TSP, even if your income limit is too high, by putting your money into tradition IRA and then convert it to a Roth. At a high tax bracket and assuming that wehn you retire, you will be in a lower tax bracket, you should keep all of your money in a regular TSP and put additional money into Roth outside of TSP using this backdoor. Here' why since your HHI is 240K, you are in 28% tax bracket since you max out your regular TSP and assuming when you retire, you'll be in a lower tax bracket such as 25% and a growth of 6% annually and assuming you will retire at 65. The growth of your 17500 and then taxed at 25% when you retire will be more than the growth of 17500 after-taxed at 28% (12600) and tax free at the time of retirement. Of course this assumption is based on what is known now and no one can truly predict the future tax brackets. [/quote]
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