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Messages - Travis

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Taxes / Re: Roth vs Traditional IRA question
« on: July 17, 2018, 11:19:39 PM »
[deleted post because I found the answers I was looking for]

We're going to stick with contributing to our Roth IRAs until we retire, but then we plan on doing Roth conversions on my TSP and her 401K when we retire. 



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Taxes / Roth vs Traditional IRA question
« on: July 14, 2018, 01:05:49 PM »
I'm still studying ways I can save on taxes in the near and far term and I have a question.

Married Filing Jointly
Age 38
One child
Current household income: $98,400
Occupations: Army officer & admin asst
FIRE date: 2023-2025

We both max out our Roth IRAs, my TSP, and put 90% of my wife's paycheck into her 401k (to the tune of about $10k/year).
There's a strong chance I'll retire with a pension worth $40-$60k/year.  Between this and my investment accounts (currently up to $900k) I'm concerned that I'm not going to have any tax space in my retirement to do a Roth conversion ladder.  Is there any benefit to me stopping contributions to my Roth IRA and starting up a TIRA?  I'll know in 2 years if I'm going to qualify for the pension, and a year after that how much it'll be worth.

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