Roth 401k: Smart Moves You’re Missing
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Roth 401k contributions can be a powerful tool, but only if you know how to use them wisely. In this episode, Matt shares practical tax strategies for deciding when, why, and how to contribute to a Roth 401k through your employer plan. He covers why your future tax bracket matters just as much as your current one, and an easy trick to start your five-year clock for penalty-free withdrawals.
Here’s some of what we discuss in this episode:
🧠 Roth 401k vs. Traditional 401k: Key differences
💰 When it makes sense to prioritize Roth contributions
📉 Strategies for managing income fluctuations
🔁 In-plan Roth conversions and how they work
0:00 – Intro
0:35 –Roth 401k VS. Pre-Tax 401k
2:38 – Tax Brackets & Lifetime Income Bracket
7:39 – In-Plan Roth Conversions
9:14 – Risks of Converting Company Stock
9:37 – The five-year clock
Resources for this episode:
Maximizing your 401k article: https://perspective6group.com/7-expert-strategies-to-maximize-your-401k/
Other Resources
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📚 Essential Financial Guides
📌5 Ways to Maximize Your Medtronic 401k Plan Guide: https://perspective6group.com/guide/
📌Stock Compensation Tax Form Checklist: https://perspective6group.com/stock-compensation-tax-checklist/
📌ESPP: A Comprehensive Guide: https://perspective6group.com/espp-guide/
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