After-tax 401k?

[conniebird]

Still need to see if I should max out this after-tax part. Might want to have some more easily accessibly money (aka taxable account). Otherwise all the money is "tied up".

[jfoxcpacfp]

conniebird wrote:

Still need to see if I should max out this after-tax part. Might want to have some more easily accessibly money (aka taxable account). Otherwise all the money is “tied up”.

Click to expand...

You should have easily accessible cash in your emergency fund or via the ability to tap into something else, such as a HELOC. A investment account, whether taxable or 403b after tax is not the place to go for immediate liquidity needs w/i the next 5 years (the "short term).

Check with your employer to see if separation of service is required to access your after-tax account. If not, this is close to a no-brainer. If so, your financial plan will help dictate what to do.