My New employer offers after tax roth. That means I can fill...	Flatulent spot boltzmann	01/05/26
Yeah you can roll it over into a normal Roth IRA.	turquoise striped hyena	01/05/26
So right now I can do about 30k/yr megaroth which basically ...	Flatulent spot boltzmann	01/05/26
MBR is an absolute no brainer. Literally zero reason not to ...	turquoise striped hyena	01/05/26
Yeah but it's not any better than regular 401k. I.e. that pr...	Flatulent spot boltzmann	01/05/26
No tax at all versus taxes at ordinary income rate is obviou...	turquoise striped hyena	01/05/26
How to grow after tax contributions cheaply?	pink knife kitchen	01/05/26
What do you think of this. My new 401k plan allows schwab pc...	Flatulent spot boltzmann	01/05/26
Eh. The key is to buy early and not sell. That seems fine. I...	turquoise striped hyena	01/05/26
Selling is not a taxable event in ira	Flatulent spot boltzmann	01/05/26

Date: January 5th, 2026 7:10 PM Author: Flatulent spot boltzmann My New employer offers after tax roth. That means I can fill up pretax401k+5% match. And 70k-(23k+17k) I can put in as after tax with immediate roth conversion. Does it mean I can covert that into regular roth without any additional tax after I leave my job? (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2).#49565167)

Date: January 5th, 2026 7:23 PM Author: turquoise striped hyena Yeah you can roll it over into a normal Roth IRA. (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2).#49565205)

Date: January 5th, 2026 7:35 PM Author: Flatulent spot boltzmann So right now I can do about 30k/yr megaroth which basically saves me 20% capital gains tax longterm compared to putting that money in regular brokerage (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2).#49565236)

Date: January 5th, 2026 7:39 PM Author: turquoise striped hyena MBR is an absolute no brainer. Literally zero reason not to do it. (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2).#49565242)

Date: January 5th, 2026 8:14 PM Author: Flatulent spot boltzmann Yeah but it's not any better than regular 401k. I.e. that pretax 40k also saves on capital gains plus will be tax at lower tax rate in the future. Roth only saves me on capital gains. (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2).#49565324)

Date: January 5th, 2026 8:18 PM Author: turquoise striped hyena No tax at all versus taxes at ordinary income rate is obviously way better. (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2).#49565343)

Date: January 5th, 2026 9:16 PM Author: pink knife kitchen How to grow after tax contributions cheaply? (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2).#49565520)

Date: January 5th, 2026 8:39 PM Author: Flatulent spot boltzmann What do you think of this. My new 401k plan allows schwab pcra accounts so I can basically do my own investments. I'll just do qqqi, spmo, and bitcoin(if it drops below 85k again) (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2).#49565398)

Date: January 5th, 2026 9:14 PM Author: turquoise striped hyena Eh. The key is to buy early and not sell. That seems fine. I’m much heavier on international and think you’d be way under diversified and have a ton of overlap with those two funds but ultimately if you buy and never sell you’re fine. (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2).#49565513)

Date: January 5th, 2026 10:10 PM Author: Flatulent spot boltzmann Selling is not a taxable event in ira (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2).#49565667)