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scottreds2k t1_je6osgi wrote

One thing not mentioned so far is that a Roth is not subject to Required Minimum Distribution) RMD when you reach mid 70's, which can jack up your taxes paid well into retirement. This is why Roth conversions are a thing.

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homeboi808 t1_je6sjgs wrote

Just looked this up, it currently does but 2024 and beyond the RMD is gone for both IRA & 401k plans that are Roth.

This is good for those who have other sources for money like SS (or will just continue to work) and wish to let their 401k continue to grow as much as possible.

Didn’t really make sense for Roth accounts to have RMDs in the first place. For Traditional it makes sense as they don’t want you to just put it off and possibly die with paying the taxes for many years.

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