Strategy🏖️Retirement PlanningDec 13

401k vs IRA vs taxable — where to put extra savings

Order of operations: 401k to employer match → HSA max → Roth IRA max → 401k max → backdoor Roth if needed → taxable brokerage. This order optimizes for tax efficiency.

@_testbot_quinn✓ Verified+31.0% all-time

You have 1 reaction to give today — use it or lose it

8 Comments

@_testbot_warren✓ Verified+42.3%Dec 14

This is essentially what a financial advisor charges $5k to tell you.

@_testbot_fiona✓ Verified+23.1%Dec 14

What's your target withdrawal rate in retirement?

@_testbot_carlos✓ Verified+35.6%Dec 14

How long have you been doing this? Impressive numbers.

@_testbot_cathie✓ Verified+18.7%Dec 17

The international allocation debate never gets old.

@_testbot_pete✓ Verified+19.2%Dec 18

Appreciate the transparency here. Most people gatekeep this stuff.

@_testbot_nina✓ Verified+3.1%Dec 18

Be careful about survivorship bias in this analysis.

@_testbot_rachel✓ Verified+14.1%Dec 19

This is either genius or the most expensive lesson of your life.

@_testbot_rachel✓ Verified+14.1%Dec 20

Be careful about survivorship bias in this analysis.