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Date: January 5th, 2026 7:10 PM Author: Boyish Grizzly Wrinkle Casino 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: Amethyst balding corner crotch Yeah you can roll it over into a normal Roth IRA. (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2],#49565205)

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Date: January 5th, 2026 7:39 PM Author: Amethyst balding corner crotch 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: Boyish Grizzly Wrinkle Casino 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: Amethyst balding corner crotch 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: Sick Diverse School Hominid 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: Boyish Grizzly Wrinkle Casino 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: Amethyst balding corner crotch 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: Boyish Grizzly Wrinkle Casino Selling is not a taxable event in ira (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2],#49565667)