Originally Posted by
Dobbs18
Both sounds great but at some point I like to have some cash to spend today. I think I'll enjoy having nice things in my 40s just as much as in my 60s/70s...I will venture to guess that almost everyone posting on here has an effective savings rate probably double the national avg and will be just fine in retirement barring a total collapse of the market. Not saying yours isn't a great idea, it is, but I have seen some very well off people who don't plan to retire early but still live like they have no money. And my question is to what end? Side tracked a little..my apologies.
That's entirely up to you... it just seems like some people don't know of that feature. If you have more money than you need and want more roth, it's a good, tax-efficient place to put it. At UAL, we don't have cash over cap, so I limit it to the max combined contribution to avoid more money than I'd like in our Rertiree Health Account, where the spill goes.