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The Ultimate Traditional vs. Roth 401(k) Strategy

The Money with Katie Show

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The Advantages and Disadvantages of Roth Contributions

The tax rates that would be applied to Roth contributions are higher for singles than married filing jointly for unmarried women especially the high earners. The traditional 401k is likely to be more advantageous if you intend to get married later and skirting those pesky single taxes by using a pre-tax account in your single earning years. Since women typically outlive men it's possible this will be the case even if you never divorce at some point in your retirement it's just you might outlive your spouse but we are getting into the murkiness of waters that are honestly really hard to plan for.

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