this post was submitted on 31 Jul 2023
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FIRE (Financial Independence Retire Early)
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Question for the week: Do you think about or optimize for tax diversification in retirement? For example, are you intentionally diversifying between Roth, pre-tax, and taxable accounts as a hedge against future tax code changes?
We’re in a high enough tax bracket that I struggle to envision a scenario where we’re not better off maximizing what pretax spaces we have right now. That said we also make backdoor and megabackdoor Roth contributions and have a sizable taxable brokerage balance. It wasn’t by design but we’ve ended up with a good split across each bucket.