The rule of thumb is that you do tax-deferred contributions during your peak earnings years and Roth contributions in other years. If you're saving so much money that you're going to be in a higher tax bracket retirement, you should be doing Roth savings now. There are lots of exceptions to this rule, one of which is being a super-saver.
We have continued to get a lot of your questions about all things Roth so we are dedicating another episode to your Roth questions. We answer questions about SEP IRA conversions, Roth IRA contributions, Roth contributions in a 401(k) vs. a backdoor Roth, Mega Backdoor Roth questions, how taxes affect Roth conversions and more!
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