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401K Speculation
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<blockquote data-quote="purplesky" data-source="post: 661902" data-attributes="member: 23628"><p>Most UPS union folks will not be making $85000 when they retire so a Roth isnt that great of a deal. Most retired union UPSERS will be in a lower tax bracket so you are better off maxing out at $16500 to beat the OT tax game. A Roth is a better tool if you plan on being in a higher tax bracket when you retire. Now if you want to leave alot of cash to your kids than a Roth is great for them because they get it tax free. It would be nice to have it offered though in our 401K. But for some reason it has been slow to catch on at most companies.</p></blockquote><p></p>
[QUOTE="purplesky, post: 661902, member: 23628"] Most UPS union folks will not be making $85000 when they retire so a Roth isnt that great of a deal. Most retired union UPSERS will be in a lower tax bracket so you are better off maxing out at $16500 to beat the OT tax game. A Roth is a better tool if you plan on being in a higher tax bracket when you retire. Now if you want to leave alot of cash to your kids than a Roth is great for them because they get it tax free. It would be nice to have it offered though in our 401K. But for some reason it has been slow to catch on at most companies. [/QUOTE]
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