you will be surprised the tax rate be higher when retired

这个坛子里的都有几个出租房，退休时贷款基本付清了。这么多年投资下来盘子大了。退休时税率更高是非常可能的。

Roth has other advantages (no RMD), you can frequent trade without pay tax. The example you give, the $20k outside 401k will pay as income tax if you trade frequently.

I prefer Roth 401k over 401k

所有跟帖： 

• 是呀，很多DZ低估了退休后的利率，开始使劲存钱不舍得花，退休花不了，多交税，连买medicare都要付很高的premiu -dogmom2019- ♀ (0 bytes) () 08/30/2023 postreply 13:13:51