Post-Tax contributions to Traditional IRA for high earners doesn’t make sense? If I understand correctly, with a traditional IRA, you can only contribute pre-tax money if you are below a certain income level. But if you are above that, there seems to be no benefit at all to contributing post-tax money to a traditional IRA, since you will still be taxed on the gains when you do withdraw. Is that correct? I know about the b…

Best move for Traditional IRA for higher income earners. So, my wife and I max out our 401k and 403bs respectively. (80% regular and 20% Roth Vanguard Target Date Funds, just felt it diversified me some). I also contribute to a 457 but I don’t plan to stay with the company till I retire and will have to take that money out when I leave (no rollover option I believe). I have a random Robin Hood account…