Hey Tuck,

FYI, the AGI limits for Roth IRA's don't apply to Roth 401K's. Everyone is eligible for contributions up to 16.5K for a Roth 401K, regardless of income. The only caveat being that a Roth 401K plan must be available.

For high(er) income earners, a Roth 401k is not necessarily the great option it appears to be considering it is after tax dollars.

Rather than contribute the max to a Roth 401K, a blend of elected deferrals to both a traditional 401K and Roth 401K (up to a total of16.5K) may be a better option when one doesn't qualify (due to high AGI) for contributions to a separate Roth IRA.

YITSMV. (Your individual tax situation may vary.)

JS-