What would you do if your tax advantaged retirement accounts didn’t have tax advantages?

What would you do if your tax advantaged retirement accounts didn’t have tax advantages? I live in Puerto Rico. When I retire, I will be taxed on earnings in my ROTH IRA and I’m pretty sure my 401k too because they are held on the mainland and local accounts only have like a 2% interest rate. Should I rethink my whole strategy? Do I need to save an additional 15% on top of what I was hoping for to account for taxes? I make around 5...

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