Pwc doesn’t offer Roth’s. Should I increase my contributions to 401k or look for a Roth? Any advice on which Roth. 2 years out of college. Likely will pull the money out for B school in 2-3 years

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Why would you pull money out of your Roth for School?

If you want to save for school open a 529

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What would be the point of offering a Roth?

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You can do a Roth from any broakerage

why don't they offer a Roth plan?

@pwc2 because the earnings are tax free and the only way you can pay in after making more than 120k is to roll over from 401k which has taxes and or penalties associated with it

I understand a Roth, this was in response to the question of why the firm didn’t offer one.

Sorry, I’m still staring at spreadsheets. I gotcha. It doesn’t really matter for us because we can do a mega backdoor with our 401k plan.

I assume it doesn’t make sense to do a 529 because it’s only short term (2-3 years) and likely going to move in a year. Please correct me if I’m wrong

I think the 529 would still benefit you even for the short term because you’re paying in with pre tax dollars? The only thing that I was unclear on after looking it up was if there were annual disbursement limits and if the principal amount of funds would be taxed when disbursed. Would recommend doing your own research to confirm

Moving should not matter. I mean you aren’t gonna get a huge tax advantage using a 529 for 2-3 years. But it still would be better than pulling money out of a Roth

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