steelyman
Moderator Emeritus
My minor addition: if I had known how much money I would have now, I would have maximized Roths and minimized tax deferred during accumulation.
To be fair, Roths didn’t exist before 1998. My former employer didn’t start offering a Roth option until ten years later. There was a lot of time to accumulate in traditional accounts.
As soon as a Roth option appeared I went all in but the earlier balances stayed. You do what you can at a given time.
The only “positive” was that the market started diving in 2008 so the new Roth picked up shares at very good prices.