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

Date: January 5th, 2026 7:10 PM Author: harsh base 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=2Vannesa#49565167)

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

Date: January 5th, 2026 7:35 PM Author: harsh base 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=2Vannesa#49565236)

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

Date: January 5th, 2026 8:14 PM Author: harsh base 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=2Vannesa#49565324)

Date: January 5th, 2026 8:18 PM Author: garnet shrine 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=2Vannesa#49565343)

Date: January 5th, 2026 9:16 PM Author: Sienna exciting feces alpha How to grow after tax contributions cheaply? (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2Vannesa#49565520)

Date: January 5th, 2026 8:39 PM Author: harsh base 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=2Vannesa#49565398)

Date: January 5th, 2026 9:14 PM Author: garnet shrine 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=2Vannesa#49565513)

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