{ "media_type": "text", "post_content": "Roth or traditional 401k? I already have some in roth with previous employer.", "post_id": "5924a6249e59af00107b3837", "reply_count": 6, "vote_count": 1, "bowl_id": "552d1d24dc1c586b09d2d051", "bowl_name": "Consulting" }

Roth or traditional 401k? I already have some in roth with previous employer.

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D1 - Roth 401k and traditional 401k share a limit. They're both 18k this year and you can't max one and then start on the other. You could make a Roth IRA and then max a 401k, but there's an income limit on the IRA.

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Doesn't really matter. Plenty of arguments either way. If you go ROTH you technically out away a little more ($18k after tax is more than $18k pre-tax), but you could always just save extra outside the account. You could use it as a tax hedge, but no guarantees that tax law doesn't change at some point. My match is 9% and goes into a traditional 401k, so I out my contributions in a ROTH. Works out to almost 50/50 split.

Roth is good when you're young and probably paying your lowest tax rate. Easy to max that out and direct the rest to a 401k

All true M1, thanks for the clarification

Umm there are income limits on both Roth IRA and IRA. Although you can still contribute to an IRA if you are over the income limit but you can't get a tax deduction. You cannot contribute to a Roth IRA at all if you are over the income limit.

D2-you can back door a ROTH IRA at any income. But OP is asking about a 401K

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