Re: 401k contributions: pre/post tax and roth.
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This is where I am a little ignorant. If I am retired drawing money from my 401k/IRA isn't that money taxed at a lower rate because it is investment income as opposed to earned income (other than the actual contributions)?
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Also, you might be thinking Long Term Capital Gains, which are not tax advantaged. LTCGs are taxed at a lower rate than Short Term Cap. Gains. STCGs are taxed at your ordinary income tax rate. That doesn't apply here because these are taxed advantaged accounts. A Roth IRA is like a LTCG investment that you pay ZERO taxes on.
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