getting started with investing-- Roth vs Traditional IRA - Mothering Forums

Forum Jump: 
Thread Tools
#1 of 2 Old 03-25-2011, 08:47 AM - Thread Starter
texmati's Avatar
Join Date: Oct 2004
Posts: 6,760
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 1 Post(s)

I'm trying to get a hold of our finances.


Dh has an optoin of either a traditional or Roth 401k at work, and we both have the option of Tradtional vs Roth IRA for earned income/spousal income contributions outside of work.



Is there a way (ie, easy formula that I can use) to tell which is better for us? I thought roth's were the hands down winner, but this site disagrees:


I expect that our income tax rate *will* be lower in retirement (as we won't be working, right?)

Texmati-- Knitter, Hindu, vegetarian, WOHM. Wife to superdadsuperhero.gif and mom to DS babyf.gif24 months, and DD boc.gif 8 months! .

texmati is offline  
#2 of 2 Old 03-26-2011, 09:27 AM
annethcz's Avatar
Join Date: Mar 2004
Location: on the beautiful prairie of MN
Posts: 9,825
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)

Honestly, there are arguments both ways.


In our household we're split.  DH takes advantage of his 401(k) program at work.  I don't have retirement programs available through my employer since I only work part time, and I'm choosing to save in a ROTH IRA.  So we have both pre-tax and post-tax money going into retirement savings vehicles.  Hopefully it will even out in the end?

New signature, same old me: Ann- mama of 2 boys and 2 girls, partnered to a fabulous man.
I'm an unintentional weasel feeder and I suck at proofreading.
annethcz is offline  

Quick Reply
Drag and Drop File Upload
Drag files here to attach!
Upload Progress: 0

Register Now

In order to be able to post messages on the Mothering Forums forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.
User Name:
If you do not want to register, fill this field only and the name will be used as user name for your post.
Please enter a password for your user account. Note that passwords are case-sensitive.
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:


Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.

User Tag List

Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page

Forum Jump: 

Posting Rules  
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are Off