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

Date: January 5th, 2026 7:10 PM Author: ruddy marvelous psychic 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: Bearded sick depressive 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: ruddy marvelous psychic 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: Bearded sick depressive 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: ruddy marvelous psychic 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: Bearded sick depressive 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: exhilarant iridescent mad-dog skullcap 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: ruddy marvelous psychic 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: Bearded sick depressive 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: ruddy marvelous psychic Selling is not a taxable event in ira (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2/#49565667)