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Why choose Roth 401k over After-tax with Roth conversion?
Why choose Roth 401k over After-tax with Roth conversion? My 401k plan offers before-tax, Roth, and after-tax contributions. My employer will match any of these three contribution types, and the after-tax contributions can be immediately converted into Roth (mega backdoor roth - MBDR). The IRS limits in 2025 are $23.5k for combined before-tax and Roth, and $70k total including after-tax. Ignoring the b...
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