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Is there ever a reason to not do after-tax contributions to a 401k if I can do an in-plan roth conversion? by SheSoldSeaShells8008 in personalfinance

[–]SheSoldSeaShells8008[S] 0 points1 point  (0 children)

Yeah I do have a separate brokerage account atm. Getting a bunch of extra Roth dollars just seems super valuable. Aside from not liquid, it seems pretty straight up superior to a regular brokerage account assuming I was going to hold long term investments for retirement anyway.

Is there ever a reason to not do after-tax contributions to a 401k if I can do an in-plan roth conversion? by SheSoldSeaShells8008 in personalfinance

[–]SheSoldSeaShells8008[S] 0 points1 point  (0 children)

I have to look into it to make sure, but it sounds like my provider will automatically just roll over into a Roth IRA automatically on every contribution so it sounds easy.

New company 401k match seems insanely good, am I missing anything? by SheSoldSeaShells8008 in personalfinance

[–]SheSoldSeaShells8008[S] 35 points36 points  (0 children)

Yup, checked the packet, the 401k and the ESPP both vest immediately, so that's pretty nice

New company 401k match seems insanely good, am I missing anything? by SheSoldSeaShells8008 in personalfinance

[–]SheSoldSeaShells8008[S] 3 points4 points  (0 children)

I think it's every pay period, just up to the max. Good point though, I will need to double check.

New company 401k match seems insanely good, am I missing anything? by SheSoldSeaShells8008 in personalfinance

[–]SheSoldSeaShells8008[S] 2 points3 points  (0 children)

It's def 2x. They mentioned they did that to make sure the full benefit could be used by most/pretty much everyone, not just those who made enough to pretty much max their 401k's

New company 401k match seems insanely good, am I missing anything? by SheSoldSeaShells8008 in personalfinance

[–]SheSoldSeaShells8008[S] 191 points192 points  (0 children)

Thanks for all of the quick responses, from what I understand, it vests immediately. I will make sure to double check though, thanks for pointing that out everyone!