me: full time hospital employed doc with 403b, 457b, employer match 401k. Wife: very part time doc with solo 401k. Both 39 years old. Together we have just under $700k in tax-deferred retirement, $22k in backdoor Roths, $100k money market nest egg, $500k in taxable account (inheritance), $80k in 529a with 4 small kids ages 8-5. We put about $70k a year into tax-deferred retirement. $40k/yr into 529a, $11k/yr into backdoor Roth. We make about $600k/yr.
I'm worried about RMD's making tax deferral counterproductive. Should I start using my employer's Roth 401k to max at $18k/yr instead of the tax-deferred 403b?
I'm worried about RMD's making tax deferral counterproductive. Should I start using my employer's Roth 401k to max at $18k/yr instead of the tax-deferred 403b?
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