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186 Views • Jul 17, 2024 • Click to toggle off description
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The decisions on how to invest, when to retire, and other financial planning topics are some of the most important financial decisions you will make in your life. I urge you to seek professional financial advice as you make this decision. Ideally, from a financial adviser, AND a CPA AND an attorney. Having the perspective of all three professions will help you make the right decision for you and your family.
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Views : 186
Genre: Education
Uploaded At Jul 17, 2024 ^^
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100.00% of the users lieked the video!!
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User score: 100.00- Masterpiece Video
RYD date created : 2024-07-17T18:03:40.903841Z
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YouTube Comments - 21 Comments
Top Comments of this video!! :3
It's effective tax rate you have to consider not the bracke you are in. If you are in the 24% bracket and put money in your 401k all that money has a discount on taxes of 24%. That money later might come out for an effective tax rate of 14% for sure not all of it will come out at 24%
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All this is predicated on them not changing rules on Roths withdrawals . They WILL change them, just watch. You are paying one way or the other folks.
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I only wish companies had Roth 401k's years ago. All that was available were traditional ones. Not a whole lot we can do about it now if we are getting close to retirement
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Free 401k money at 8% of a company paying $24/hr isn't as good 5% at a company that pays $45/HR.
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Im in a roth but plan to switch to traditional when appropriate for taxes in the future. Roth ira as well. I always have to remind people that a roth 401k is different to a roth ira.
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Is that an Eurythmics song in the background? Some people just want to use you? Some people want to abuse you? I’m conservative. I want to enjoy my life now vs the wait until I’m 90 to buy myself a plant.
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Yeah agree. If you can do the Roth then do it. I definitely will be in a lower tax bracket. I plan on working PT in retirement. I’m not worried as I can do a lot of stuff and make some money doing side hustles. Amazing that people can’t fix or doing anything. I drive past people with empty garages. Mine is full of tools and stuff. I’m ready to fix stuff and do home improvements.😂
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Theres a phiposphy of paying yourself first that trumps the tax loss...
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Predicting where tax rates will be mid to long term is a mugs game. Empirical research backs this up.
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The guy’s advice, however, ignores the fact that any future taxes would be paid using inflated dollars. Therefore, on a then-net present value calculation, he’s just wrong. It’s a good deal.
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Wait the Roth 401k doesn’t reduce your taxes now right?
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This all depends on if you make the same amount of money in retirement as you do during wage years which is rarely the case, since you don’t have as many expenses (paid housing and such)
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But Azul, with a 401k, the tax savings is at the marginal rate, whereas in retirement, you’re more concerned about the effective rate, it’s still good for a lot of people. I have both traditional and Roth, and unqualified brokerage accounts
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almost nobody has roth 401K
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Azul, stop substituting old video.
People who listen to your videos are looking for a path-forward, not an old quote from a financial advisor, who, for all I know has no connection to current markets.
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@xlerb2286
1 month ago
Well, no idea what the future is like but I've been contributing to a 401k for 30 years. I've just retired so I'm somewhat close to pulling money out of it (I've got a lot of non tax deferred investments to work through as well). So far the 401k is coming out ahead for me. Tax rates haven't gone up that much, and I'll be in a much lower bracket when I start pulling that money out. No idea what the next 30 years will be like tax-wise though of course.
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