My New employer offers after tax roth. That means I can fill...	bisexual roast beef	01/05/26
Yeah you can roll it over into a normal Roth IRA.	cracking tattoo	01/05/26
So right now I can do about 30k/yr megaroth which basically ...	bisexual roast beef	01/05/26
MBR is an absolute no brainer. Literally zero reason not to ...	cracking tattoo	01/05/26
Yeah but it's not any better than regular 401k. I.e. that pr...	bisexual roast beef	01/05/26
No tax at all versus taxes at ordinary income rate is obviou...	cracking tattoo	01/05/26
How to grow after tax contributions cheaply?	vigorous aggressive alpha	01/05/26
What do you think of this. My new 401k plan allows schwab pc...	bisexual roast beef	01/05/26
Eh. The key is to buy early and not sell. That seems fine. I...	cracking tattoo	01/05/26
Selling is not a taxable event in ira	bisexual roast beef	01/05/26

Date: January 5th, 2026 7:10 PM Author: bisexual roast beef My New employer offers after tax roth. That means I can fill up pretax401k+5% match. And 70k-(23k+17k) I can put in as after tax with immediate roth conversion. Does it mean I can covert that into regular roth without any additional tax after I leave my job? (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2/#49565167)

Date: January 5th, 2026 7:23 PM Author: cracking tattoo Yeah you can roll it over into a normal Roth IRA. (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2/#49565205)

Date: January 5th, 2026 7:35 PM Author: bisexual roast beef So right now I can do about 30k/yr megaroth which basically saves me 20% capital gains tax longterm compared to putting that money in regular brokerage (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2/#49565236)

Date: January 5th, 2026 7:39 PM Author: cracking tattoo MBR is an absolute no brainer. Literally zero reason not to do it. (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2/#49565242)

Date: January 5th, 2026 8:14 PM Author: bisexual roast beef Yeah but it's not any better than regular 401k. I.e. that pretax 40k also saves on capital gains plus will be tax at lower tax rate in the future. Roth only saves me on capital gains. (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2/#49565324)

Date: January 5th, 2026 8:18 PM Author: cracking tattoo No tax at all versus taxes at ordinary income rate is obviously way better. (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2/#49565343)

Date: January 5th, 2026 9:16 PM Author: vigorous aggressive alpha How to grow after tax contributions cheaply? (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2/#49565520)

Date: January 5th, 2026 8:39 PM Author: bisexual roast beef What do you think of this. My new 401k plan allows schwab pcra accounts so I can basically do my own investments. I'll just do qqqi, spmo, and bitcoin(if it drops below 85k again) (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2/#49565398)

Date: January 5th, 2026 9:14 PM Author: cracking tattoo Eh. The key is to buy early and not sell. That seems fine. I’m much heavier on international and think you’d be way under diversified and have a ton of overlap with those two funds but ultimately if you buy and never sell you’re fine. (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2/#49565513)

Date: January 5th, 2026 10:10 PM Author: bisexual roast beef Selling is not a taxable event in ira (http://www.autoadmit.com/thread.php?thread_id=5817735&forum_id=2/#49565667)