andybmcc

andybmcc t1_jds3tj3 wrote

Reply to My company offers a pretax, Roth, and after tax options for my 401K. I don’t fully understand what they mean beyond the basics and definitely don’t know which is best for me by Slightofhandartiste

At that income, Roth as others have pointed out. That's because your tax rate is very low at that income. You pay low taxes now to not pay taxes when you withdraw. In the traditional, you would not pay taxes now, but pay taxes when you withdraw, presumably at a significantly higher rate than what you're paying now.

Just note that your match will probably go in the "traditional" pre-tax bucket in your 401k. That's fine.

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andybmcc t1_j2atneh wrote

Reply to TIFU by taking two edibles by Titanwaves

Yeah, this is why I don't fuck on edibles. I've definitely had some creeper, but when you eat it, it gets hard to gauge, then there's no dialing it down. Just need to feel good, not completely zoned. I have made some killer snickerdoodles in the past, though.

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