{ "media_type": "text", "post_content": "Does it make sense to have both Roth 401k and Roth IRA?", "post_id": "5f0dc52ade8a15001cc5014b", "reply_count": 3, "vote_count": 1, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter" }

Does it make sense to have both Roth 401k and Roth IRA?

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I maxed my Roth 401k for 3 years. Moved to traditional 401k when I hit 100k income. The only certainty is that you should max your Roth IRA. I maxed my Roth 401k early on to hedge my bets against what I may need in retirement. It’s not that easy to predict the future.

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Depends on your current income, how far you are from retirement, and what you think might be your tax bracket in retirement (this is almost impossible to know unless you’re close to retiring)

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Who do you talk to figure this stuff out?

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