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Does retirement % change if you are making Roth contributions?
Does retirement % change if you are making Roth contributions? Mid-20s. Married. Combined gross income: $107k. VHCOL city. We're currently budgeting $1800/mo for retirement savings, which is 20% of our gross income. However, these are all Roth contributions because we are in such a low tax bracket (12% with standard deduction), and we both have a lot of future earning potential. We're both pursuing STEM PhD...
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