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

Date: January 5th, 2026 7:10 PM Author: Henna Mother 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: Charcoal theater 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: Henna Mother 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: Charcoal theater 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: Henna Mother 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: Charcoal theater 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: Razzmatazz university half-breed 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: Henna Mother 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: Charcoal theater 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: Henna Mother Selling is not a taxable event in ira (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2в#49565667)