Yep. I wish I had known then what I know now. Except for matching contributions, IF they’re substantial enough, I would have quit the 401K farce many years ago and funded a Roth much sooner.
I think I’ll be able to squeak by in the 12% bracket with my current plan for 6 years of drawdowns, but after that the RMDs will kick my ass.
I may tire of the game and just take all that’s left in the 401K sometime in the next few years, take the one year hit and move on.
I think I’ll be able to squeak by in the 12% bracket with my current plan for 6 years of drawdowns, but after that the RMDs will kick my ass.
I may tire of the game and just take all that’s left in the 401K sometime in the next few years, take the one year hit and move on.
