{ "media_type": "text", "post_content": "Ok sos I need to start retirement savings ASAP. 401k or Roth IRA?", "post_id": "60fa15d1b34ec1002a658b28", "reply_count": 8, "vote_count": 1, "bowl_id": "5b3f7377ab53db00136f7b4c", "bowl_name": "FIRE Financial Independence Retire Early" }

Ok sos I need to start retirement savings ASAP. 401k or Roth IRA?

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401k up to company match, then Roth


Most companies that offer both will still match Roth 401k contributions, but they typically put them in a trad 401k so you don’t incur more taxable income on the match.

Think it depends a lot on your earnings. Id max traditional 401k, and then I’d do traditional ira.


I split half and half.

It would help to know your comp since tax brackets matter here. But I’m assuming “Junior Analyst” means you are young and/or early in your career. 401k to employer match since it’s free money, then max that Roth IRA. HSA next if you have a high deductible health plan.

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