Prompt · Finance

Roth vs Traditional

Decides Roth vs traditional contributions with your actual tax math.

Have ready: Fill in age, current and expected tax rates

Fill in · 3 fields

Xreasoning401k Roth option Y/N, IRA eligibility

Your prompt

Roth or traditional, settle it with my numbers.

Age: [X], current marginal tax rate: [X]% (federal + state)
Expected tax rate in retirement: [X]% and why I think so: [reasoning]
Accounts available: [401k Roth option Y/N, IRA eligibility]
Current retirement balance: $[X], years to retirement: [X]

Model a $[X] annual contribution both ways: after-tax value at retirement assuming [X]% growth, accounting for the tax deduction reinvested in the traditional case. Recommend a split if a mix wins. Tell me the one assumption that would flip your answer.

Paste it into Muse or any assistant. Blank fields stay as [brackets].

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