{ "media_type": "text", "post_content": "For Mega Backdoor Roth contributions why do most articles/people focus on conversion to Roth IRA vs. Roth 401k? Been doing the former for years but starting to think latter might be easier/cheaper.", "post_id": "5db2f9191211fd002a5f724b", "reply_count": 6, "vote_count": 0, "bowl_id": "5b3f7377ab53db00136f7b4c", "bowl_name": "FIRE Financial Independence Retire Early" }

For Mega Backdoor Roth contributions why do most articles/people focus on conversion to Roth IRA vs. Roth 401k? Been doing the former for years but starting to think latter might be easier/cheaper.

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Still bound to RMDs with Roth 401k, and investment options are usually better in an IRA

Agreed, no need to convert to IRA now. Keep it as Roth 401k then convert everything once you leave. Just make sure to do it before retirement to avoid RMDs

I do the latter now. was doing former early this year, however I had to call every paycheck vs it being automatic now. I'm not worried about RMD as I can roll my 401k into IRA when I leave this company. I'm happy with my investment choices. ymmv

That’s exactly my logic and experience - both the administrative hassle and always have option to minimize RMD later.

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