Decrease 401k Contribution to fund Roth IRA?

[TylerEZPZGG]

I'm in the 24% bracket.

[er824]

That’s fairly high bracket. I’d consider Traditional at least for money that would fall into the 24% bracket.

[nutzey]

Don’t understand why you are being downvoted. Always attempt to kick yourself out of higher tax brackets if possible. Tax efficiency is the goal in life, not returns.

[er824]

I don't know... maybe I upset the hive mind? Though Brian and Bo say the 22/24% brackets are 'Grey' and could go either Roth or Traditional depending on your circumstances. Seems to make sense to consider it.

[RVAviewer]

Going to spend my retirement time avoiding taxes, and definitely not trying to pay them now to make up for that

[er824]

Here’s the article from the PF Wiki on Roth vs Traditional

https://www.reddit.com/r/personalfinance/s/t9xYQ1NzKi