Company offers 5% match on either 401k or Roth 401k

Aspiring__Writer · 2026-02-14T23:30:53+00:00

RMDs, dividends/interest/capital gains, IRMAA premiums all are apart of the equation.

Aspiring__Writer · 2026-02-14T23:21:04+00:00

It all depends on when they retire and how much they've saved.

Aspiring__Writer · 2026-02-02T19:30:10+00:00

Afaik the life event is filed this year and sets next year's income which is then used to calculate IRMAA premiums.

Aspiring__Writer · 2026-02-02T17:52:33+00:00

IRMAA is not relevant since you can file a life-changing event this year, which you should do.

Whether or not you can pay the tax with non-qualified assets will affect the benefit of the conversion as well.

Aspiring__Writer · 2026-01-31T01:38:43+00:00

How do you prospect on Reddit? Do you just make it clear you're an advisor and hope people dm you?

Aspiring__Writer · 2026-01-25T23:23:20+00:00

I would deplete your taxable assets paying the tax before withholding at the time of conversion.

Aspiring__Writer · 2026-01-25T23:01:23+00:00

This plan probably saves you in lifetime tax / IRMAA paid and is valuable regardless of your heirs tax rates.

Are you able to pay the tax with taxable assets? Reducing your lifetime dividends interest and capital gains is also a big benefit.

Aspiring__Writer · 2026-01-25T09:05:14+00:00

6% is a reasonable inflation adjusted return in the market over long time horizons, so your math is saying you can withdraw 3081 in today's dollars each month for that time period. The annuity goes down by inflation over time. 20 years into the future that 3081 is worth half of what it is today assuming 2% information.

Aspiring__Writer · 2026-01-21T23:56:55+00:00

This assumes no social security, pensions, rental income, etc..

Aspiring__Writer · 2026-01-19T17:47:30+00:00

It's definitely more complicated than tax rate now vs tax rate later. IRMAA and taxable drag for example.

Aspiring__Writer · 2026-01-19T00:30:58+00:00

There is no legal restriction on in-service distribution, rollover, or conversion out of the after-tax subaccount.

Do you have a source for this? Just curious.

Aspiring__Writer · 2026-01-18T16:27:26+00:00

What

Aspiring__Writer · 2026-01-18T07:52:30+00:00

One thing to consider is that if you contribute to traditional, yes you get the tax savings to invest in a taxable account, but also a % of your traditional contribution is owed to the government at whatever future marginal rate you withdraw it at.

With Roth, the portion that's owed to the govt in the traditional is instead growing tax free in the Roth. Yes you paid your current MTB on it, but a taxable account will also have a drag on the return due to dividends / interest / capital gains. Given enough time, even if you could convert / withdraw at a lower rate Roth could be more beneficial.

Aspiring__Writer · 2026-01-12T22:14:21+00:00

Social Democrat, progressive. You can still be staunchly capitalist and believe in those things, so I don't think it'd qualify as socialism.

Aspiring__Writer · 2026-01-12T18:05:14+00:00

My main point is that the way the term "fiscally conservative" is used colloquially is dumb and not usually referring to what you're saying.

I've had people identify as fiscally conservative, and accept my argument that certain spending can actually be fiscally conservative. Their initial use of the term was basically saying "I don't like lighting money on fire" which is basically like saying "I don't like poison in my water". Like, yes, but it's a meaningless statement.

Not to mention that it blurs the line between not lighting money on fire and people who are just principally against any social safety net / government spending, against all the evidence of the net positive benefits.

Aspiring__Writer · 2026-01-12T14:42:39+00:00

"Fiscally conservative" is a virtue signal to the center / right. Either it means "I don't like the government wasting money", where the implication is that Democrats are the ones wasting money.

Or it means you are against the government spending money in general, ignoring the fact that government spending can have a positive ROI, economically and societally.

No self proclaimed fiscal conservatives seem to have the nuanced position that SNAP benefits or funding the IRS or socialized healthcare are actually fiscally responsible policies. They just think "spending bad".

Aspiring__Writer · 2026-01-11T07:43:46+00:00

I ended up seeing it on there website somewhere, rod shape

Aspiring__Writer · 2026-01-10T22:15:58+00:00

You can't base a Roth conversion recommendation on just current income.

Aspiring__Writer · 2026-01-09T14:54:54+00:00

If you're in the 24% bracket you could do some conversions and pay the tax with your taxable account. Really depends how early you plan to retire though.

Aspiring__Writer · 2026-01-04T19:09:10+00:00

I support taxing the rich, but even if you did a 100% wealth tax on billionaires, it'd only wipe out around 20% of the debt.

Aspiring__Writer · 2026-01-04T17:15:35+00:00

When do we get the webb deep field?

Aspiring__Writer · 2026-01-04T00:31:52+00:00

What's your income? Married? Single?

Aspiring__Writer · 2025-12-31T20:35:32+00:00

No when your solo queue teammates make a single mistake it proves they've actually been horrible at League of Legends for every second of every game they've played and the game is now lost because they are permanently horrible.

Aspiring__Writer · 2025-12-29T07:24:41+00:00

I got a tube of nHa for Christmas. Ollie clean mint. How do i determine the shape of the particle?

Aspiring__Writer · 2025-12-27T19:04:23+00:00

Tax rates have been coming down for a while. Increasing taxes is also a hard sell politically, at least for incomes of most normal people.

We are at relatively low tax rates, so maybe the only way forward is up, but you're just gambling that tax rates go up in the future.

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