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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. […] Traditional or Roth IRA? […]

  3. 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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