That’s up to you. Simple IRA is pre-tax money, so you will have to pay them later. Roth is post-tax and you won’t have to pay them when you take out the money. If you can afford it, I’d do both.

I’d suggest reading this for more info on a Roth401(k), if your employer offers one. However - don’t forget that the max amount you can contribute to any 401(k) stays the same (18,500$ in 2018.)

First of all - Thanks guys for having this discussion and conducting it in a very decent manner. Kind of rare these days....

You sure?

Your question is not quite clear. You can not choose a 401k account your current employer has established- he/she is making the deal with the plan sponsor.

Sorry Sir - that is only partial correct. When you turn 65, you can take money penalty free out from an HSA, but not tax free. You still have to pay taxes, whilst a withdraw from your Roth is truly tax free.

Can’t stress enough the fact that you better do your homework before investing. Choosing a stock just because you like the idea or use the product is called a consumer discretionary stock.

1,000,000$ - maybe if I work another 60 years...

Wondering the same. AFIAK the new tables were required to be used by beginning of Feb 18. If I compare last year with this one, I do not see much of a change.

Agree! It really seems we’re degrading to a binary society.

All the drummers I know simply asked the keyboarder.

Intuit TurboTax: AGI of $33,000 or less ($66,000 or less for active duty member) or you’re active duty military with an income of $66,000 or less

I’m driving stick and people look funny at me when I don’t play along like everyone else in the “inching” game.

Absolutely agree. But why is this even a question? If you only have 4k$ as an emergency fund (and I assume it’s not for an emergency spa visit,) and struggle to pay off 2k$, you’re likely not making more than the minimum payment. And putting those 140$ interest per year towards your emergency fund, raises that one…

raison d’être= Daseinsberechtigung.

Yeah - that took about 1 second to educate your dog to sit next to you the moment you walk into the kitchen. Good luck correcting that.

There is a very good reason for that song:

Second the comment about lastpass. Very annoying.

Let me add to this. Yes, you can pull the studs off the tires if have to.

Not sure what to think of this. I live in Alaska, so that table doesn’t work. All our dogs love to be outside in the winter - either playing in the snow or going on walks. Some need booties at one point, but no matter what breed, staying inside seems not an option for them.