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Brown Cafe UPS Forum
UPS Retirement Topics
Roth or normal 401K
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<blockquote data-quote="purplesky" data-source="post: 1194157" data-attributes="member: 23628"><p>Are you doing Dave Ramseys Financial Peace University plan? If you have all your credit cards payed off and just your car loan left I WOULD INCREASE YOUR 401k contribution to atleast 15%. PAY YOURSELF FIRST!</p><p></p><p>At age 39 you actually have time to save. But 1% will get you nowhere. </p><p></p><p>You are young enough to put some contributions in the Roth 401k. I would do both the regular and the Roth at age 39.</p><p></p><p>Go to the 401k website and change your contribution rate. You can change it anytime to see how it effects your take home pay.</p></blockquote><p></p>
[QUOTE="purplesky, post: 1194157, member: 23628"] Are you doing Dave Ramseys Financial Peace University plan? If you have all your credit cards payed off and just your car loan left I WOULD INCREASE YOUR 401k contribution to atleast 15%. PAY YOURSELF FIRST! At age 39 you actually have time to save. But 1% will get you nowhere. You are young enough to put some contributions in the Roth 401k. I would do both the regular and the Roth at age 39. Go to the 401k website and change your contribution rate. You can change it anytime to see how it effects your take home pay. [/QUOTE]
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