re: Rolling over 401K to new job

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He pays the tax when he rolls into the Roth, which is right now. So he doesn't have $20,000 anymore

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I gave both scenarios actually. You implied that the Roth balance would be higher, when in fact, it would be lower.

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Maybe the confusion has arisen from you taking my use of "balance" in that post and interpreting it outside of the thread.

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Or maybe it's because you used "balance" in a way that no person who has a brokerage account would ever use it. "Broke, what's my balance?". You get $1,800 a month into your bank account". "I asked you what my balance was". "OHHHHHHHHHH, that's $942,499"

I go by what a man writes, not what he wants it to mean. You don't call a bank for a balance and they tell you how much money you pulled out yesterday.

The Roth distributions may indeed be more beneficial but as I stated before, I don't have enough information to make that call.