{ "media_type": "text", "post_content": "How do people think about Roth vs Traditional? How are you all thinking about tax bracket now vs at retirement? For context, I’m 27, single and currently make $107K in DC as a social impact consultant. Will get an MBA so salary will increase but IDK what tax bracket will be at retirement...", "post_id": "60ff2b7cca37fd00207e7bf3", "reply_count": 6, "vote_count": 1, "bowl_id": "5b3f7377ab53db00136f7b4c", "bowl_name": "FIRE Financial Independence Retire Early" }

How do people think about Roth vs Traditional? How are you all thinking about tax bracket now vs at retirement? For context, I’m 27, single and currently make $107K in DC as a social impact consultant. Will get an MBA so salary will increase but IDK what tax bracket will be at retirement...

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In my opinion, given the spending trajectory in the US, tax brackets will dwarf the current brackets by the time any of us under the age of 45 or so will retire. Roth all the way.

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C2 - You’re reinterpreting MD’s language to mean something opposite

Agree with MD1. Three points 1) The amount you are paying taxes on today will be 1/2 to 1/3 by the time you retire. Your income will grow 2) Any matching you get will go into the traditional account giving you a healthy balance between traditional and Roth when you retire. Ultimately you will want to have a balance between the two types 3) For each $$ you invest in your 20’s will be 10x that amount when you retire. It will be great to NEVER pay taxes on that growth

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Except if you start a company in future and then expense everything as you pay your self little salary and minimal to no taxes. No one really knows. I’ll rather not pay taxes now, and also figure out a way to defer it longer. Borrow against my assets, etc to keep deferring the taxes

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