$260,000 increased by 3% over 19 years is $455,911.
Can estimate Social Security.
https://opensocialsecurity.com/
viewtopic.php?t=262772
While future tax rates are unknown, your assumptions seems probable about high tax rates in retirement.
Does 401k have a Roth / mega backdoor option that would allow deferred growth vs taxable LTCG?
If after 19 years you'd still have many years before electing Social Security (perhaps at 70), can model 401k traditional with Roth conversions during that period.
https://www.bogleheads.org/wiki/Retiree_Portfolio_Model
Can estimate Social Security.
https://opensocialsecurity.com/
viewtopic.php?t=262772
While future tax rates are unknown, your assumptions seems probable about high tax rates in retirement.
Does 401k have a Roth / mega backdoor option that would allow deferred growth vs taxable LTCG?
If after 19 years you'd still have many years before electing Social Security (perhaps at 70), can model 401k traditional with Roth conversions during that period.
https://www.bogleheads.org/wiki/Retiree_Portfolio_Model
Statistics: Posted by bogling — Fri Feb 14, 2025 12:31 am — Replies 20 — Views 1707