My New employer offers after tax roth. That means I can fill...	Irate digit ratio	01/05/26
Yeah you can roll it over into a normal Roth IRA.	cowardly domesticated office	01/05/26
So right now I can do about 30k/yr megaroth which basically ...	Irate digit ratio	01/05/26
MBR is an absolute no brainer. Literally zero reason not to ...	cowardly domesticated office	01/05/26
Yeah but it's not any better than regular 401k. I.e. that pr...	Irate digit ratio	01/05/26
No tax at all versus taxes at ordinary income rate is obviou...	cowardly domesticated office	01/05/26
How to grow after tax contributions cheaply?	onyx idiot theater stage	01/05/26
What do you think of this. My new 401k plan allows schwab pc...	Irate digit ratio	01/05/26
Eh. The key is to buy early and not sell. That seems fine. I...	cowardly domesticated office	01/05/26
Selling is not a taxable event in ira	Irate digit ratio	01/05/26

Date: January 5th, 2026 7:10 PM Author: Irate digit ratio My New employer offers after tax roth. That means I can fill up pretax401k+5% match. And 70k-(23k+17k) I can put in as after tax with immediate roth conversion. Does it mean I can covert that into regular roth without any additional tax after I leave my job? (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2в#49565167)

Date: January 5th, 2026 7:23 PM Author: cowardly domesticated office Yeah you can roll it over into a normal Roth IRA. (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2в#49565205)

Date: January 5th, 2026 7:35 PM Author: Irate digit ratio So right now I can do about 30k/yr megaroth which basically saves me 20% capital gains tax longterm compared to putting that money in regular brokerage (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2в#49565236)

Date: January 5th, 2026 7:39 PM Author: cowardly domesticated office MBR is an absolute no brainer. Literally zero reason not to do it. (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2в#49565242)

Date: January 5th, 2026 8:14 PM Author: Irate digit ratio Yeah but it's not any better than regular 401k. I.e. that pretax 40k also saves on capital gains plus will be tax at lower tax rate in the future. Roth only saves me on capital gains. (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2в#49565324)

Date: January 5th, 2026 8:18 PM Author: cowardly domesticated office No tax at all versus taxes at ordinary income rate is obviously way better. (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2в#49565343)

Date: January 5th, 2026 9:16 PM Author: onyx idiot theater stage How to grow after tax contributions cheaply? (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2в#49565520)

Date: January 5th, 2026 8:39 PM Author: Irate digit ratio What do you think of this. My new 401k plan allows schwab pcra accounts so I can basically do my own investments. I'll just do qqqi, spmo, and bitcoin(if it drops below 85k again) (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2в#49565398)

Date: January 5th, 2026 9:14 PM Author: cowardly domesticated office Eh. The key is to buy early and not sell. That seems fine. I’m much heavier on international and think you’d be way under diversified and have a ton of overlap with those two funds but ultimately if you buy and never sell you’re fine. (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2в#49565513)

Date: January 5th, 2026 10:10 PM Author: Irate digit ratio Selling is not a taxable event in ira (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2в#49565667)