realbraidenshaw
Region: US
Thursday 22 May 2025 16:28:12 GMT
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Ruben Lugo :
They both suck. They have been around for over 40 years and the average balance at 65 is only $80k. We have been lied to.
2025-05-23 13:14:50
1
K_van :
the answer is do both.
2025-05-23 00:27:28
202
bcfatvs :
401K’s have lots of hidden fees.
2025-06-14 11:11:34
0
Jeremy Laskowski :
What if my work offers both and both a 5% match? I currently only do 8% and they do 5%. I’m 35 and balance is $165k. Should I start a Roth, divide them?
2025-05-23 02:03:45
2
jonathanruiz0443 :
The thing is not to pay taxes at an old age
2025-07-11 01:56:47
0
Caleb :
Is it smart to do both ?
2025-05-23 19:11:15
2
Cherry :
your numbers are off...? In 30 years, you will have $1,419,843.21 in the Roth
2025-05-23 15:07:18
2
Vinh :
For ROTH IRA, “All that money is tax free” is a false statement. You still taxes on interest accrued. You just don’t pay taxes on the original principle since you already paid taxes on it. Correct your statement.
2025-05-27 19:59:00
2
tater :
ticky tack stuff here but you cant invest 10K into either in 1 year lol
2025-05-27 16:40:33
9
mikebishoff5 :
30% is a big number.
2025-05-23 15:50:33
11
Rob :
just do both. you can only put 7,000 in a Roth IRA anyway per year
2025-05-23 16:44:40
3
jondow :
Who is at a 30% on all their income. You need to go off of average annual income tax rate. That is more like 18%.
2025-05-23 03:51:35
5
hli0112 :
Let me get this straight: we have a thing called inflation, which means our income will be increasing year by year. When income increases, taxes will be increased as well. So better to pay now if your income bracket is low.
2025-05-23 04:37:30
2
user547319652187 :
The goal is to invest more aggressively in your Roth IRA
2025-05-23 13:53:23
5
Marini Furniture :
Side Note: Roth accounts have no RMDs, Traditional accounts enforce RMDs at 73.
2025-05-23 04:00:47
19
ReyMade22 :
Being able to borrow form the 401 K ,and pay yourself back is clutch. Does Roth allow that?
2025-05-22 18:11:29
2
LetsTalkMoney :
No it is pay taxes once or forever, and face future higher taxes that have to pay down US debt. Traditional is a trap. It keeps growing and more and more taxes. Also the death tax and RMD robbing heirs. Ignore traditional.
2025-05-22 16:41:08
3
Anthony Hobbs :
well taxes sure don't go down they always go up so you get taxed more later
2025-07-21 17:11:13
0
Az'Lloyds'FishN :
depends on the tax rate when you retire. I prefer reg 401k lowers my tax bracket now.
2025-05-22 20:32:50
3
user931704 :
with Roth, i think you can take out your principal early too if needed. Just not the gains
2025-05-22 18:00:29
31
Collaboration Nation :
I don't know if I'm gonna live up to 59, or how long I will live during retirement, so I'd rather take the tax break now.
2025-05-24 02:42:54
2
luvall :
early investors won’t be taxed 30% now.
2025-05-22 20:43:31
31
Jd Shahin :
but taxes can increase down the road along with the tax brackets. so you might as well pay that now so you don't have to worry about it later
2025-05-23 00:59:48
6
Likma :
Umm I don’t think that’s how it works…if I invest 10k I invested 10k but also paid taxes on it. The full 10k is still invested
2025-05-27 13:12:26
2
lukecarroll22 :
Can you do Both a Roth IRA and Roth 401k? I know there’s a 7000 contribution limit on Roths but does the same apply for a 401k Roth? If I have a Roth IRA going already would you suggest doing a Roth 401k or regular 401k assuming my company matches 4% regardless
2025-05-23 15:18:04
3
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