{ "media_type": "text", "post_content": "Making 90k and want to max out retirement. Does Roth 401k in addition to Roth IRA make the most sense? Or should I do traditional 401k?", "post_id": "5fdcd593e7399f0021e68344", "reply_count": 5, "vote_count": 2, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter" }

Making 90k and want to max out retirement. Does Roth 401k in addition to Roth IRA make the most sense? Or should I do traditional 401k?

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You could close some doors later on if you open an ira now but your income will exceed the Roth limit in a few years

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What is your marginal rate, 22%? What about state? I'd probably lean towards traditional or a mix if combined rate of about 25% or more.

I’m in Texas, federal tax rate 24%

Roth IRA and max out trad 401k

Yes, do both. can do 80/20 to the Trad/Roth 401k, and max out your TRAD IRA, for tax benefits.

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