Mega Backdoor Roth vs After-Tax Brokerage: Which One Is a Priority?

by Retirement Advisor | Oct 25, 2022 | Backdoor Roth IRA | 7 comments

Mega Backdoor Roth vs After-Tax Brokerage: Which One Is a Priority?
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7 Comments

Brian McPheeters on October 25, 2022 at 11:10 pm
Any reason not to fill up the mega backdoor roth bucket first then move to after-tax? I thought you can always use roth contributions as after-tax funds if needed.
Slim Dawg on October 25, 2022 at 11:10 pm
I struggle with this. Mega is so hard to pass up, but my brain says put a little more in taxable.
Southwest on October 25, 2022 at 11:10 pm
I put my extra non 401k cash into a taxable account. Thank goodness I did. Allowed me to take a buyout at 51 and retire(last year). Rolled over the the 401k and it can grow until I’m 59 1/2. Low debt helped too. Only owe on my house.
J Tarq on October 25, 2022 at 11:10 pm
Wish I got this advice when I was 40. Great topic and solid answer!!
Nick Doyle - Achieve Financial Independence on October 25, 2022 at 11:10 pm
Great discussion. I personally don't view this as an "option" as the Roth is so powerful. My wife & I cap the mega backdoor. I guess there's a benefit to have access to money in taxable, but you can access Roth contributions and/or do a Roth conversion ladder if retiring early.
Matthew Harrigan on October 25, 2022 at 11:10 pm
Very helpful advice. Thanks for a great show
Lee Amaya on October 25, 2022 at 11:10 pm
This was a very helpful discussion! Thank you!!!