Hey WCI,
I'm a first year resident with another five to go. I've been maxing out my Roth IRA annually and have been making contributions to my 403b using Roth contributions. My rationale is that when I eventually withdrawal from my 403b, I'll be a much higher tax bracket then than I am now. Friends of mine have encouraged me to make pre-tax 403b contributions in order to lessen AGI, however that does not seem like a very compelling reason to me (though I can understand the appeal). Can anyone make a strong argument for me to make pre-tax contributions vs. continuing with Roth contributions vs. after-tax contributions? Thanks!
I'm a first year resident with another five to go. I've been maxing out my Roth IRA annually and have been making contributions to my 403b using Roth contributions. My rationale is that when I eventually withdrawal from my 403b, I'll be a much higher tax bracket then than I am now. Friends of mine have encouraged me to make pre-tax 403b contributions in order to lessen AGI, however that does not seem like a very compelling reason to me (though I can understand the appeal). Can anyone make a strong argument for me to make pre-tax contributions vs. continuing with Roth contributions vs. after-tax contributions? Thanks!
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