re: Using a Roth 401K to minimize RMDs - Good idea?

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I believe it's 35%, but if I were to contribute all 401Ks as Roth, it would probably push us into 37% territory.

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I would never recommend a client contribute to a Roth 401k at a 35-37% marginal rate. It is highly, highly unlikely you’ll ever sniff that rate in retirement, not to mention most of these models fail to account for what you’re doing with the $10k+ per person in tax savings each year along the way.

ETA- MAYBE with IRMAA concerns I could see it, but it’s still such a massive hurdle to climb a known 35-37% marginal rate.