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Or if one expects one's retirement tax rate to be lower than one's working tax rate, one may want to prioritize all employer plan contributions before Roth (so taxes get deferred on the 401(k) & 403(b) until retirement), provided that the expenses aren't too high.

How is one supposed to know what the tax rates will be when one retires much less figure out what your tax rate will be upon retirement? That is the problem I am trying to figure out as to whether or not to cut down on the max 401k contribution and put it into a ROTH.

buylower
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