Tag: five-year rule

Roth 401k: Smart Moves You’re Missing

Roth 401k: Smart Moves You’re Missing

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

πŸ’° When it makes sense to prioritize Roth contributions

πŸ“‰ Strategies for managing income fluctuations

πŸ” 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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πŸ“š Essential Financial Guides

πŸ“Œ5 Ways to Maximize Your Medtronic 401k Plan Guide: https://perspective6group.com/guide/

πŸ“ŒStock Compensation Tax Form Checklist: https://perspective6group.com/stock-compensation-tax-checklist/

πŸ“ŒESPP: A Comprehensive Guide: https://perspective6group.com/espp-guide/

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