Originally Posted by
sailingfun
I don’t understand the hate for RMD’s. Isn’t that why we save the money in the first place?
When retired and having to add an extra 25 percent to each withdrawal to cover taxes the whole tax now vs later becomes more stark So say the retired members of my family who lack tax free accounts. They forget about the taxes they saved up front when the money was originally invested
Roth funds do have a bit more flexibility, which may be attractive
Backdoor Roth IRAs to me are a complete no brainer. I've paid taxes on the money. I can save it in a taxable account, or through a very simple process, render it tax free forever. Assuming I can afford to save the money, I can think of not a single reason to not backdoor it
As for the 401 k (a, etc), lot more room for opinion. It's good to have options