[quote=no_such_reality]How is someone putting money in a roth with a base salary of $169K and other $33K in bonus?

As for the hypo paycheck, sorry, but $2000 going into the 401K, Roth 401K and ESPP every two weeks which is a $52K a year savings rate. $26K a year of which is going into stock purchase.

Yea, definitely do it, but don’t claim the take home is minuscule because those stock purchases can be rolled immediately.[/quote]

The stock can not be rolled immediately. Espp usually has a 6month waiting window, and if you do withdraw early, you will be locked out of the plan for the duration of the offering period. And when you do sell, before 2 years you will be taxed at ordinary income which is roughly 30-35% I believe, fed and state.