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Money and Finances
Reply to "Roth 401K or Regular 401K"
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[quote=Anonymous]As a recent graduate, this guy is just starting out in his career and probably now has the lowest salary he'll have for the next 30-40 years. When you plan for retirement, you need to replace your finish-line salary, not your starting salary as a recent graduate. He's already starting to save for retirement in his early 20s (recent graduate), so he's looking to be in a good position to have that higher retirement income. Currently, at $70k in total pay, his marginal rate is most probably 25% (obviously, this depends on deductions and other assumptions, but it is a safe bet). That's pretty darn low. In addition to the above, given the state of entitlement programs and demographic trends, it's more likely than not that the overall tax brackets inch higher in the decades to come.[/quote]
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