re: Rolling over 401K to new job

So let's do a calculation.

$20,000, 5% compounded annually for 30 years.

If he rolls into a trad/401k he ends up with $86,438.85


If he rolls into a Roth and pays the tax out of pocket he ends up with $86,438.85

If he uses the balance and his tax bracket is 15% he ends up with:

$73,473.02

Which is what I've been saying all along. You want to throw taxation into a discussion about balance. And you're wrong.