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Reply to "Not fully funding 401k? Why not?"
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[quote=Anonymous][quote=Anonymous]I don't max mine out because I assume my tax bracket will be higher when I retire than it is now. Right now I have a fairly big mortgage and a dependent. In 20 years when I retire, I might not. All that 401K savings will be taxable upon withdrawal. I do put 15% of my income in my 401K, but I think it's a good idea to invest in a 401K up to the match, then max out a Roth-IRA, then go back and fund more of the 401K.[/quote] If you really believe that you will be in a much higher tax bracket in retirement, you can see if your work offers a Roth 401k option. Most companies that do also offer matches.[/quote]
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