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  1. Zvi Kedem says:

    “Roth IRAs are also limited to individuals with AGI below certain thresholds.”

    I thought that it should be “MAGI” and not “AGI”.

  2. One of the things that bugs me about traditional IRAs and 401(k)s is that you can look at your balance and think… “ok, I have this much right now in my retirement plan to work off of.” I would think most people don’t really even think about the taxes part.

    Although completely psychological, that’s one of the big reasons I prefer the Roth – that and the idea that you can pull out your contributions penalty-free if you really ran into a jam.

    I max out my 401 every year because of the fantastic match that we get, but I really would love for them to offer a Roth 401(k) down the line.

    Great article about the differences!!

    — Jim

    1. sraskie says:

      Thanks for the note, Jim! Yes, taxes do have to be considered especially if folks are contemplating safe withdrawal strategies.

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