[quote=flu]Doing full roth hurts me way too much after tax. And I have concerns doing full traditional (paying too much taxes later on)…Then again, the entire economy could blow up, and nothing matters.
Looks like we’re starting earning seasons, and while numbers look ok, I guess expectations are out of wack…[/quote]
Like I said, it depend on your tax situation. When I did full Roth, we weren’t making that much, so even with full Roth, my effective tax rate was only 7-8%. I don’t mind doing full traditional right now, since my traditional bucket isn’t huge, so even when RMD kicks in, it won’t affect my tax much. Now, when the balance of that bucket gets big enough, then I might reconsider doing 1/2 and 1/2. One advantage of traditional is, lets say I decide to retire early at 55. The next year, I can do a conversion and my tax rate would be much lower than if I do Roth today, since my income for that year would be near $0 + the conversion amount.
