{ "media_type": "text", "post_content": "Question regarding traditional vs Roth 401k decision. I joined a new firm and they allow for Roth 401k and Mega back door Roth contribution. \n\nI’m 26 years old with a salary of 135k + bonus and have a traditional IRA (previous 401k) and a Roth IRA that are similar worth (50k each)\n\nI’m trying to decide how I should go about my new 401k with my new firm.\n\nShould I go with traditional 401k for the tax relief and after-tax back door to my Roth IRA? \n\nThoughts, suggestions please. TIA", "post_id": "60ff0d35a9dd13002fc31e73", "reply_count": 4, "vote_count": 1, "bowl_id": "5b3f7377ab53db00136f7b4c", "bowl_name": "FIRE Financial Independence Retire Early" }

Question regarding traditional vs Roth 401k decision. I joined a new firm and they allow for Roth 401k and Mega back door Roth contribution. I’m 26 years old with a salary of 135k + bonus and have a traditional IRA (previous 401k) and a Roth IRA that are similar worth (50k each) I’m trying to decide how I should go about my new 401k with my new firm. Should I go with traditional 401k for the tax relief and after-tax back door to my Roth IRA? Thoughts, suggestions please. TIA

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Ya that sounds like a good plan to me. What type of firm allows for these after tax 401k contributions?

Kpmg. I think PwC does too

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Don’t overthink it. You can decide to split b/w Roth/Trad. Our HHI is high so we’re doing all Trad cos we need that tax deduction.

Yeah true. My girlfriend (potential spouse) is high-income as well, over 175+ a year. She has Roth 401k

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