Roth vs Traditional for those living in Washington?

Amazon jiffbenzos
Mar 5 8 Comments

Those of you who live in Washington.. do you guys invest in Roth or Traditional? I will probably move to other states with higher taxes so im not sure if it makes sense to put any money in Traditional. Thinking of contributing about 20% in Roth and 5% in Traditional. Does it seem like a wise move?

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TOP 8 Comments
  • Google zoz
    Max Traditional (18k) then max HSA (7k) then max after tax to Roth IRA mega-backdoor (~30k) then max Roth IRA backdoor (6k).
    Mar 5 5
    • Microsoft 4&gc
      What Google said. +1.
      Mar 5
    • Microsoft $$|$$
      Are you married? Because 61K in retirement and hsa per year - how do you manage to put so much without compromising quality of life
      Mar 5
    • Microsoft 4&gc
      Get a higher TC. Seriously if you're pulling in $200-300k like most people here, maxing out everything is not hard.
      Mar 5
    • Workday rrthvj
      Do you do Roth IRA mega backdoor and Roth IRA backdoor yourself? I am assuming we are talking about Traditional and Roth 401k?
      Mar 5
    • Microsoft 4&gc
      Backdoor Roth is IRA. You do that on your own. Mega Backdoor Roth is from your 401k and your employer plan needs to support this.
      Mar 5
  • Google wqIe83
    Roth and go self directed if you are savvy. You can even hold real estate in Roth and private equity subject to some conditions.
    Mar 5 0
  • General Motors / Eng agmV57
    Roth for sure considering we will never have lower federal income tax rates. HSA is an excellent path as well because it is triple-tax advantaged.
    Mar 5 0