regular Roth vs 401k Roth
age 42, married
2 kids in grade school
I make 68k
my wife make 10k
Fed tax bracket is very low, I think it was 5%
I'll work for another 20 years.
I am putting 5% + 5% match into a 401k Roth and since we just paid off the house, we'll put that payment ($750) into investments.
I was thinking a regular Roth would make more sense since I have more control over the money.
The flipside is once it's in a 401k, it's hard to get out, which is a good thing.
I can buy most ETF's in my 401k. But I can buy anything in the Roth.