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Off Topic : 1) When Does a software engineer start financial planning for retirement since the our Career span is only 15-20 years on average.
2) How much and which schemes to invest to mitigate the risk?
3) How much do we need for retirement? Tata Consultancy Infosys Mindtree IBM Wipro Capgemini Cognizant HCL Technologies
Decided to payoff my mortgage.
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Asked a similar question a while ago, ended up sticking with Roth for the flexibility. I might do it differently if I was at 35% though.
Try and figure out what your RMD will be bc it may put you right back in that bracket, at which point you're betting if taxes will be higher or lower by then.
I make my roth/traditional split the same as the probability of income being higher now than in retirement. I personally have no clue which way it will go right now, so im 50/50.