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Fwiw my current base is $88k and AIP is 10%. Mortgage (principal + interest, escrow) and HOA are $2207/monthly, however I have a roommate who is paying $1200 in rent
Max traditional 401k, then backdoor Roth. Traditional 401k is better for early retirees cause of a Roth IRA conversion ladder
I max out Roth cause gains are tax free but if you have excess of 19.5k you can contribute you should look into doing a back door Roth. Not quite sure how to do it but it allows more than 19.5k in 401k I think
I do a backdoor roth (hopefully I do it correctly lol). I contribute the max to a traditional IRA and then convert it to a Roth IRA. The key is that you do this in the same year so you only pay taxes on the gains / losses.
And don’t forget mega backdoor Roth if your employer allows after-tax contributions and in-service withdrawals!