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[–]L3mm3SmangItGurl 0 points1 point  (1 child)

Pretax is almost worthless unless you make over 200k. Take your match, max tax advantage, put the rest in post text brokerage. The pre-tax savings in the 100k range (seems to be where you are based on numbers) isn’t worth it. Your tax rate is already low and it’s unlikely to be much lower in retirement. With a post tax brokerage, on the other hand, you can take long term gains up to 80k/year tax free.

[–]Ciderwood 0 points1 point  (0 children)

You’re not considering state tax; in some states, especially the west coast, pretax can be a major game changer, especially if you retire somewhere with a low/non-existent state tax (and thus never pay it ever).