topic 401K vs 401K Roth in Retirement tax questions

401K vs 401K Roth

ri-solano — Tue, 24 Feb 2026 06:51:15 GMT

I have a 401K and i am probably four year away from retirement. does it make sense to move my 401k to a 401k Roth if i can afford having paying for the tax now?

Re: 401K vs 401K Roth

conniem123 — Wed, 26 Jul 2023 23:51:59 GMT

Hi ro-solano, thank you for the question!

There are definitely considerations to convert from traditional to a Roth. Paying the tax now while you have the funds is a major consideration. Unfortunately, this is a financial planning question rather than a tax question.

Here is a great resource as you consider the conversion, https://turbotax.intuit.com/tax-tips/investments-and-taxes/now-everyone-can-convert-to-a-roth/L4NEqOEla.

I hope this information is helpful!

Connie

Re: 401K vs 401K Roth

rschule1 — Wed, 26 Jul 2023 23:52:07 GMT

Hi There:

If you think that you will be in a higher tax bracket when you retire. Then it makes sense to pay taxes now at the lower bracket. However, most people enter a lower tax bracket upon retirement, but you might be the exception to the rule.