401k vs Roth IRA given my age/income I am wondering what opinions are for 401k vs Roth IRA. I make 61k / year. Have 5% 401k employer match. And I am 30 years old. Currently, my 401k has 19k and my Roth IRA has 17k. After contributing 5% to my 401k to receive the employer match, I can afford to contribute an additional ~7k over 2025 into either my 401k or max my Roth IRA. I underst…

should I do a roth conversion at my age/income? To provide context: I’m a contractor, aged 64 and planning to retire at age 67. Up until now my gross income was about $110K. But just found out that for 2025 I may get a bump to $170K. It’s possible that bump could continue through 2026 but unsure. As a contractor I could also be out of work without warning I will be contributing the maximum a…