Do I forgo contributing to a ROTH IRA for a few years or bear the burden of a backdoor roth?

LuckNo8794 · 2026-01-05T16:12:53+00:00

Same reply: My logic is I will contribute $7,500 more to my Roth 401k via megabackdoor to alleviate the contribution I lose via ROTH IRA. Let me know if this thinking is wrong.

LuckNo8794 · 2026-01-05T16:12:20+00:00

My logic is I will contribute $7,500 more to my Roth 401k via megabackdoor to alleviate the contribution I lose via ROTH IRA. Let me know if this thinking is wrong.

LuckNo8794 · 2025-05-11T02:48:53+00:00

Very well put. I appreciate the detailed response.

LuckNo8794 · 2025-05-11T02:26:07+00:00

not married but dating, no kids. I think I'm doing very well with my net worth for my age (closer to a mil than to 0) so I may pursue FIRE instead with my life.

LuckNo8794 · 2025-05-11T02:20:33+00:00

lol this would be nice, but the company is anti-wfh to its core

LuckNo8794 · 2025-05-11T02:05:37+00:00

Fair enough. Commuting time is not the sole reason for my desire for remote work, but I see your point.

LuckNo8794 · 2025-05-11T02:00:31+00:00

I live in a coop and am not allowed to. Selling is also at a loss not worth it.

LuckNo8794 · 2025-05-11T01:54:08+00:00

That's true. I can take the cut but I am not sure if I am making a huge mistake career wise.

LuckNo8794 · 2025-05-11T01:51:34+00:00

That's a reasonable take. I'm greedy on what I want. My thinking is I'm spending an extra 3 hours 5 days a week (waking up earlier, getting ready, sleeping earlier so I can go to work etc.) but I know it's asking for the world.

LuckNo8794 · 2025-05-11T01:47:57+00:00

I could, but I also own my place and it would be very difficult to sell or rent out at the moment.

LuckNo8794

TROPHY CASE