You're welcome. It's also a slight PITA to track non deductible contributions and have to prorate future withdrawals.Close enough!I deduce that you must be single, covered by a workplace retirement plan, in the 22% bracket, and with an expected MAGI of close to 79k but less than 89k. Correct?
I did a deep dive on RMDs earlier this year and found that the tax-deferred vs Roth preference really isn't clear for my situation. For now, I'm prioritizing tax-deferred, but I plan to review this strategy annually and during major life changes. Most of my funds are tax deferred, with a sliver in Roth accounts.
I really hate the idea if a partial tax benefit between 79-89k. It really doesn't make sense to me upon review. I wouldn't want to mix it with my pre-tax funds.
So, if MAGI is less than 79k, then traditional. 0ver 79k, then Roth. Funded from the cash account. Sorted! thank you.
Statistics: Posted by Rocinante Rider — Fri Jan 02, 2026 8:25 am — Replies 8 — Views 254