I agree with above points emphasizing the important variable being marginal tax rate now vs marginal tax rate when withdrawing. Another reason that I believe starting with trad is good, is that if your retirement is underfunded, then trad is much more tax efficient, especially at a ~30% marginal rate. I like starting with trad to hedge for that risk.
Statistics: Posted by djballew23 — Wed Sep 03, 2025 10:13 am — Replies 36 — Views 1769