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Not to be a jerk but if you scroll down or use the search function, you will find hundred of posts with the same question. Probably use Roth or a split.
No problem. I have been at this a long time. We didn’t have a Roth option when I started so it was easier. Once we got a Roth option, several years ago I spent a decent amount of time trying figure it out. It gets a lot easier after a while
Roth 401k… taxes will only be higher in the future and your salary will grow to higher tax brackets. At that point consider a mix. Any match will be pre-tax too.
Pro
Max out your 401k to lower your pretax income. I’m also in nyc and I max out my 401k for that reason.
Pro
Yup
How are you getting 72k, are you in advisory ?
Don’t they always start at 70k+? Assuming you have a masters in tax.