Why Would I NOT Invest After-Tax Dollars in a Roth IRA

[cathy63]

Well I mis-wrote earlier, its a 401a account. In fidelity its listed as DCP which I and my HR took to mean defined not deferred but what do we know?

Yes, a 401a is a type of defined contribution plan. DCP is just a catch-all term that includes 401a, 401k, 403b, etc.

Here's an article that describes 401a plans and explains the law that's letting you contribute $58K while also maxing out your 403b and 457b. Since these funds are considered to be non-Roth contributions when you make them, they don't count against the limits for the 403b and 457b, even though you can roll them over to a Roth IRA. https://thefinancebuff.com/401a-plan-contribution-limit.html

You are one of the very rare lucky employees who can have a 401a, 403b, 457 all at the same time.