Realized I’ve been contributing all post tax dollars to my 401k for the past 1.5 years. Am I able to convert this to a roth somehow? What kind of tax liability might I have? Should I switch to pre tax contributions?

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How was that even possible? Do they take it from your paycheck or are you making additional contributions?

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PwC allows pre or post tax contributions. Post tax is different from a Roth 401k and doesn’t have the $19.5k annual max. Comes out of my paycheck

You can roll a Roth 401k into a Roth IRA when you leave the company. If it’s a Roth 401k you won’t have any tax liability.

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call benefits express, pretty straightforward to rollover to IRA

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Is it a roth 401k? What's the issue?

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Yes you can rollover. If pwc offers in-service withdrawals you can do it now (note this is how mega back door roths work) or you can do it when you leave if not In both scenarios you'll have to pay tax on any investment gains that have occurred though

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Hmm. Maybe consider leaving those funds as is, then adjust your contributions to pre tax (traditional 401k). Then when you leave A PWC transfer the pre tax funds to a Traditional IRA, and the post tax funds to. Roth IRA. I wouldn’t call this a mistake per say, as many people believe post tax 401k is the way to go.

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Do it all at once or it’ll continue growing and being taxable, especially if your bracket will go up in the next few years. Technically it should be the same now or later for present value, but I don’t trust tax rates to go down in the future and if you retire well, your rates could be higher than now.

Post tax dollars isnt specific. Do you mean an After Tax 401k or Roth 401k? If after tax, an in-service withdrawal for mega backdoor roth will result in paying income tax on growth only. If Roth, you’re fine. Flip it to Roth or Traditional if your company offers a match. After tax dollars aren’t matched.

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Look into your policy. You should be able to convert it to a Roth. For example, our policy allows for unlimited conversions at any time. You will have to pay tax on the gains.

I don’t understand your question(s). Sorry

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