Definitely considered. I expect we'll be in the 22%-24% tax area for some time, which generally produces mixed opinions on roth/trad approach. My current stance is that what's important (for this year) is just maxing these accounts in general, and I would plan to re-evaluate the split and if we should continue doing it when next year comes around depending on income outlook etc. I wouldn't expect these splits to make too much difference down the road, but please correct me if I'm wrong; I am pretty new to this and an eager student!For 401k and 403b, I would consider doing all Pre-Tax (Traditional).
Statistics: Posted by nopro43 — Thu Feb 05, 2026 1:51 pm — Replies 20 — Views 346