A Roth usually only makes sense if you're going to be in a higher tax bracket at Retirement and most Delta pilots earn over the limit to even contribute to a Roth and a Roth 401K (which we have access to at Delta) once again makes sense only if you have so much money saved that you are using it for estate planning - even with that you are better off converting to a Roth IRA after retirement than putting taxable (probably already taxed at 33% or higher) income into a Roth 401K.

Hes talking about the over 50 catch up contribution which is above and in addition to the 415c limit.

Question about YS while on reserve. There are trips in open time that start with zeros, i.e. 0111, etc. Am I able to put in a YS for those? If yes, are they ever awarded outside of 24 hours before the trip?

0 numbered rotations are trips built outside the original bid package construction. You can put in a YS for them. All YS's are worked no sooner then after the 7AM window run the day prior. That could be 40 hours prior if it's a late departure. There is one exception where they are worked two days prior if known. That is for flights to a Malaria destination.

Dude, I recommend you speak to a real expert, but I'm as sure as I can be that you are wrong. The catch-up contribution does not count against the 415 limit. The numbers from my pay statements confirm that.

You are correct. The catch up is not part of the 415 limit.

Does anyone know what 4F1R means in the stat column on your schedule, or in the rotation number column on your time card? I went back to my May sched/time card and found this. Apparently during the audit it was added and 5:15 was added to my pay and credit. The only possible explanation I can come up with is a correction from April. I flew a GS the last two days of April and was rerouted. But the reroute was not an extension just a change in destination/layover. Any insight would be greatly appreciated.

I had that last month. It means you were under block but still got the original hours guaranteed. Make sense?

Thank you!

Is there a way to see the trip that it applies to? It showed up on 2 May and I was at home. Is it for a prior month trip? All of my trips in June appear correct.