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Message
re: Roth 401k
Posted on 5/28/22 at 5:34 pm to TDsngumbo
Posted on 5/28/22 at 5:34 pm to TDsngumbo
quote:
Everyone says you’ll be in a lower tax rate when you retire. Maybe I just don’t fully understand taxes in retirement but I’m actually projected to be making significantly more in retirement than I do now.
The first 80k+ of ltcg is taxed at 0%.
Add in the standard deduction and you can withdraw significantly into the 6 figures every year before paying taxes. Even more if you have roth accounts in addition to taxable.
Depending on your account allocation, you might only take a relatively small amount out of your traditional 401k in a year. That’s the only money you pay taxes on as if it were regular income
This post was edited on 5/28/22 at 6:11 pm
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