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

Date: January 5th, 2026 7:10 PM Author: ,.,,,. 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=2most#49565167)

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

Date: January 5th, 2026 7:35 PM Author: ,.,,,. 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=2most#49565236)

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

Date: January 5th, 2026 8:14 PM Author: ,.,,,. 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=2most#49565324)

Date: January 5th, 2026 8:18 PM Author: Civil Attorney (The Kraken is BACK) 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=2most#49565343)

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

Date: January 5th, 2026 8:39 PM Author: ,.,,,. 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=2most#49565398)

Date: January 5th, 2026 9:14 PM Author: Civil Attorney (The Kraken is BACK) 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=2most#49565513)

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