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

Date: January 5th, 2026 7:10 PM Author: dark bossy pit 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: Vigorous pisswyrm 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: dark bossy pit 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: Vigorous pisswyrm 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: dark bossy pit 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: Vigorous pisswyrm 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: Insecure abusive dingle berry 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: dark bossy pit 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: Vigorous pisswyrm 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: dark bossy pit Selling is not a taxable event in ira (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2,#49565667)