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CSedu OP t1_jadpxqj wrote

Reply to comment by Stock-Freedom in Saving for retirement and home, 401k confusion by CSedu

Thanks dude! So it seems I should just keep contributing for my match to my Pre-Tax 401k, and then contribute my own money past the match into my Roth IRA?

If so, can I ask why I should use a Pre-Tax 401k and not a Roth 401k? I like the idea of not worrying about the taxes later.

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Stock-Freedom t1_jadq3na wrote

You can ask! The simple reason is you always pay taxes but you likely will pay less in retirement.

Why you should (almost) never contribute to a Roth 401(k) https://reddit.com/r/personalfinance/comments/10qwnrx/why_you_should_almost_never_contribute_to_a_roth/

Note: Depending on your MAGI you may be the almost never.

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CSedu OP t1_jadr3z4 wrote

Sweet, thanks my dude. I will contribute to the Pre-Tax 401k for the match, and then my Roth IRA past that :)

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