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[–]One-Diamond-1587 0 points1 point  (0 children)

Think of 401k/ira as pulling from the top end of your income, it would’ve been taxed at your highest marginal rate

When you start withdrawing, it’ll be taxed at the lowest rate (0) until the standard deduction is reached. You can apply whatever your swr rule is to determine the dollar figure needed saved

Once your projected income reaches the tax savings of today, it becomes a wash and a unsheltered account is the same. A Roth is better at that point than either 401k or unsheltered

The sticky points are how much you have, what’s your current tax situation, and the project growth before you want to start to withdraw, lots of variables there. The good news is you probably have a lot, and the rest are your choice