Originally Posted by
guppie
True that. AFTER tax. What do you mean by your RHAs appreciation? Max spillage? I try to limit my spillage into that community pot.... already plenty full with $1/hr and the minimum spillage.
...and schwab just added the option to automatically convert those after tax contributions to Roth, making everything that you contribute after the B/C fund Roth eligible. Although you could do this before as well, it just took filing a form every time. So, unless your after tax income is less than the 415C limit minus the company contributions, you can always max out.