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Someone commented on keeping some traditional IRA money as well as the Roth. An excellent idea. But they forgot that you are also maxing out a 401k. And that works pretty much the same as an IRA for that purpose. So I'd stick with your plan of adding to the Roth.

On that front, the only other thing I'd add in is some after-tax savings. That give you three buckets to choose from in retirement: pre-tax IRA/401k money, non-taxable Roth, and ordinary savings/investments. And that should give you quite a bit of flexibility in retirement to control your taxes.


This is timely. I did a backdoor Roth last year and will likely do it again this year after I get over the paranoia that I might have missed something with last year's conversion. But, you bring up something I've been thinking about lately, which is if someone wants to retire before 59 1/2, when the Roth becomes fully distributable, one would have to bridge the gap between the age of retirement and age 59 1/2. So, a regular brokerage account will likely be one of the best vehicles to bridge the gap.
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