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Roth vs Traditional
The same dollar goes into the account each year. Roth ending is already after-tax. Traditional ending is taxed once at the retirement rate. State tax, conversion, and RMDs are out.
Example math. Caps and tax rates are labeled inputs, not live IRS tables. Not financial advice.
Roth after tax
$307,056.24
Traditional after tax
$239,503.87
Traditional tax saved now
$30,800.00