I’ve seen a couple posts lately with comments saying that people should not use a Roth 401k. Does the logic below capture the spirit of that concept? 1. Use trad. 401k to reduce taxable income now. Convert to trad. IRA once retired, then convert gradually to Roth IRA (ladder, SEPP, etc.) at lowest marginal tax rate 2. Use Roth IRA (and/or backdoor Roth) to take advantage of tax free growth and ability to withdraw principal early without penalty

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I have a question on 401k loans. How is the principal repayment reinvested? Monthly? When the loan is fully paid? Do they cash out that portion of my investments or just use then as collateral?

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One of my subs while I was on maternity leave “snitched” to the principal that I didn’t leave appropriate lesson plans and then changed everything in my classroom. Should I follow up with this?

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Would you rather put more money towards your 401k or more principal towards your home mortgage? I already do both and have a little extra from my Oct 1 raise to allocate

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Which is better. 401K or Roth IRA? does the Roth IRA has tax on capital gains since 401K is taxed on gains and principal amount ?

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Why are people so bad at 401ks. I just overheard someone tell another person they should pay down principal on a car loan instead of putting the extra into 401k. WHY.

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