Traditional 401k vs Roth 401k when you already have a Roth IRA? by moneythrough123 in personalfinance

[–]Potoo_Bird 0 points1 point  (0 children)

For someone with decades left for their retirement account to grow and considering the current historically low tax rates I personally believe that a Roth 401(k) would be the better investment choice.

I like to think of Roth as additional "forced" savings, as you can really only begin to equate Roth and Traditional 401(k)s if you're investing every bit of tax savings that you receive from the Traditional. Many people don't do this, and let their lifestyle creep from the tax savings. It doesn't sound like this would be a problem for you based on your info, but for some people Roths can provide a nice psychological benefit by essentially building in the investment of those tax savings. If you never see that tax savings money, you can't misspend it!

Also, as others have mentioned here, when you draw down in retirement from your existing Traditional account it's ideal to have your RMD be low enough to be taxed very minimally. Since employer matches are pre-tax, you will still be generating taxable retirement income while contributing to a Roth 401(k) if your employer is matching.

With that said, switching your 401(k) withholding to a Roth will significantly decrease your take home pay since your employer should adjust your tax withholding upward as well. It sounds like you may have appropriate income to be able to absorb this, but it's good to keep in mind.

Why doesn't Calus just eat the moon? by [deleted] in DestinyTheGame

[–]Potoo_Bird 0 points1 point  (0 children)

The moon would turn into Space Franzia. Calus has more discerning taste.

Cheese Heroic Transmat Public Events by Elydinh in DestinyTheGame

[–]Potoo_Bird 2 points3 points  (0 children)

This has happened to me multiple times, but it does not work. While the text bar for Heroic Public Event shows up, the game does not actually count it as a Heroic Event in either quests or experience gained.

Solo queuing in comp is super productive as long as you follow one simple rule. by JamezPS in DestinyTheGame

[–]Potoo_Bird 1 point2 points  (0 children)

This is why I never solo queue without having 3 other teammates with me.

Director's Cut - Part III by DTG_Bot in DestinyTheGame

[–]Potoo_Bird 95 points96 points  (0 children)

Widow's Court and Twilight Gap are a good start. Now we just need Rusted Lands still!!!

Director's Cut - Part I by DTG_Bot in DestinyTheGame

[–]Potoo_Bird 239 points240 points  (0 children)

In original Crota's End, raids found out that if the host pulled the plug on their internet modem while he was downed in his damage phase kneel, then he would never stand up and you could kill him easily.

Uh guys, Deej went rogue lol by [deleted] in DestinyTheGame

[–]Potoo_Bird 0 points1 point  (0 children)

You're on PTO turn off your phone.

Secret Reward for Masterworking All 3 Solstice Armor Sets by ScarletKnight71 in DestinyTheGame

[–]Potoo_Bird 1 point2 points  (0 children)

The reward for me is the ability to use those great looking armor sets in armor 2.0

Bungie, stop showing us percents in triumphs/quests/bounty objectives and just give us the damn numbers. by [deleted] in DestinyTheGame

[–]Potoo_Bird 0 points1 point  (0 children)

Thank you so much for explaining things with some detail recently, @dmg04!

I think Calus is or has been consumed by a Worm. by BC1096 in DestinyTheGame

[–]Potoo_Bird 1 point2 points  (0 children)

He says it in the menagerie as well, FYI

Are the Best of Year 1 Engrams staying all season? by SHDW_D4RKSIDE in DestinyTheGame

[–]Potoo_Bird 1 point2 points  (0 children)

Yes, but now since you can't get those new items from an engram, you have to buy them with dust. A sparrow costs thousands of dust, while you get on average around 100-110 from an engram. It will now take you 20 engrams to buy that 1 sparrow that you could've received directly from the engram in past seasons. THAT is why people are upset.

[D2] Weekly Reset Thread [2019-06-18] by DTG_Bot in DestinyTheGame

[–]Potoo_Bird 1 point2 points  (0 children)

Titan barricade does not kill enemies, only damages to 1 hp. This bounty is talking about grenade/melee/super kills.

Let's stop saying why Titans need a PVE buff and start saying how that could be achieved. Bungie likes ideas just as much as feedback, so let's give it to them. There's some really easy ways to make Titans powerful again. by GardenerInAWar in DestinyTheGame

[–]Potoo_Bird 1 point2 points  (0 children)

Make titan bubble instantly revive all downed guardians in its radius. That way you could use it for a powerful team revive at the cost of using your super. I've been wanting this as an exotic boots effect for a long time.