Hello, I’m trying to max out my employers Roth 401k as well as my Roth IRA this year.
Do you contribute to mainly Roth or some pre-tax also? I know it just depends on when you want to pay taxes. Was thinking maybe contributing more to pre-tax would be beneficial if I stop working in retirement and have low tax bracket.Obviously my employers contributions are all pre tax (9% match).
Also those who contribute to a HSA, I get it’s a tax advantaged account but doesn’t it have to be used strictly for medical purposes? Not sure what the risk of being audited is. Trying to decided if I should contribute to the HSA also, I have to select the higher deductible health insurance plan to be eligible for HSA.