We're going to move on to Anker's question. It says, when starting the 401k journey Roth 401k was not a thing. Now I find myself in my 40s with no Roth dollars.

Healthy 401k dollars and I'm in a higher tax bracket now. Should I prioritize

regular 401k or Roth 401k? All right, so Anker, we don't know enough about all of your different financial

variables to be able to give you like specific advice around this but here's what we

say generally if you are in a lower tax situation, we define lower taxes if you add up your

marginal federal rate and you add up your state marginal rate and it's below 25%,

there's a really good chance that Roth makes sense for you. Now if you're in a higher

tax situation, meaning you add your marginal federal and your marginal state, and it's above

30 percent, you're in a higher tax situation.

And we would argue that every dollar you put on the pre-tax side

of your 401k can be super, super valuable.

I mean, you can think about it, $1 goes in, saves me $30 in taxes. It's kind of like a 30% imputed rate of return

today so it's really really hard to walk away from that current year tax

benefit. But we see this all the time Brian people get later on in their careers later on in life and they've not yet begun building Roth dollars.

One, do high-income folks have an option to build Roth and two doesn't mean that he has to start

building Roth dollars right now today. Well anchor I want to make you feel

better about something. There's a trend that's been going on with tax laws that have been set up coming out of Washington, D.C.

is that we have this timer in the background for all of our retirement savings,

especially the traditional ones that you've been funding because you're in a higher tax

bracket where you knew it's 70 and a half you were going to have to start making required

minimum distributions.

Oh now like 73 or 75.

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