n****y
发帖数: 819 | 1 最近在看traditional 和 Roth ira 的区别，发现很重要的一点是需要知道退休时候的
tax rate？ 这个怎么估计呢？是和social security有关吗？
另外一点是我现在自己是学生， lg是postdoc， 现在交的税很少，以后工作了税可能
会越来越多， 如果税率在变化的话， 怎么确定是traditional 还是Roth呢？
多谢！ | f*******n
发帖数: 12623 | | g*****g
发帖数: 34805 | 3 If you don't earn much, ROTH. If you have a good job and you have 401K, you
are not qualified for traditional so still ROTH. If you earn a lot, backdoor
ROTH is the only option.
Traditional is not for most Chinese I think.
【在 n****y 的大作中提到】
: 最近在看traditional 和 Roth ira 的区别，发现很重要的一点是需要知道退休时候的
: tax rate？ 这个怎么估计呢？是和social security有关吗？
: 另外一点是我现在自己是学生， lg是postdoc， 现在交的税很少，以后工作了税可能
: 会越来越多， 如果税率在变化的话， 怎么确定是traditional 还是Roth呢？
: 多谢！
| f*******n
发帖数: 12623 | 4 Yes, basically, the case for Traditional is if you are not covered by a 401k
and you earn a lot.
you
backdoor
【在 g*****g 的大作中提到】
: If you don't earn much, ROTH. If you have a good job and you have 401K, you
: are not qualified for traditional so still ROTH. If you earn a lot, backdoor
: ROTH is the only option.
: Traditional is not for most Chinese I think.
| K*******4
发帖数: 294 | 5 Hello, I have 403b, am I qualified for traditional IRA? I used tubro tax,
seems it said I am qualified.
Traditional is not for most Chinese I think. How do you think so?
thanks
you
backdoor
【在 g*****g 的大作中提到】
: If you don't earn much, ROTH. If you have a good job and you have 401K, you
: are not qualified for traditional so still ROTH. If you earn a lot, backdoor
: ROTH is the only option.
: Traditional is not for most Chinese I think.
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