ncbill
Thinks s/he gets paid by the post
A Roth contribution is only appropriate in two cases: your net taxable income for the year is at or near zero, or you want to give your Roth account as an inheritance since it can be left to accumulate tax free for two lifetimes. This is an extremely powerful legacy building technique.
yes, I'm matching my kid's Roth contribution to ensure they get the maximum, while they're still in undergrad.
plan to do the same for several years after graduation, as long as they also continue to heavily contribute to their TSP account.
& if Uncle Sam allows their current career choice, Roth would be best until they're out of grad school.