Should I Use Roth 401(k)?
Jill on Money with Jill Schlesinger
Audacy
4.6 • 1.9K Ratings
🗓️ 17 July 2018
⏱️ 6 minutes
🔗️ Recording | iTunes | RSS
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Summary
It's becoming more and more common for workplace retirement plans to offer a Roth 401(k) option. The next question is whether or not you should be using it. That's what Shirley wanted to know on the latest BONUS call. Have a money question? Email me here. “Better Off” is sponsored by Betterment. We love feedback so please leave us a rating or review in Apple Podcasts. "Better Off" theme music is by Joel Goodman, www.joelgoodman.com. Connect with me at these places for all my content: http://www.jillonmoney.com/ https://twitter.com/jillonmoney https://www.facebook.com/JillonMoney https://www.instagram.com/jillonmoney/ https://www.youtube.com/c/JillSchlesinger https://www.linkedin.com/in/jillonmoney/ http://www.stitcher.com/podcast/jill-on-money https://apple.co/2pmVi50
Transcript
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| 0:00.0 | Welcome to the Better Off Bonus Call the Week. |
| 0:06.0 | We're sponsored by Betterment, the largest independent online financial advisor. |
| 0:10.9 | Now you know this, I'm just going to say it because maybe you're listening to this for the first time. |
| 0:14.4 | You've got two chances every week to get on the air. |
| 0:17.1 | Tuesdays, this call, the Better Off Bonus Call of the Week, and then after the |
| 0:21.4 | longer show on Thursdays, we've got our listener question of the week and then after the longer show on Thursdays we've got our listener |
| 0:23.7 | question of the week all you have to do is send us an email ask Jill at better off |
| 0:28.0 | podcast dot com that is what Shirley did and we are delighted to talk to her. |
| 0:33.6 | Hi Shirley, welcome to the program. |
| 0:35.6 | What can I do to help you out today? |
| 0:38.2 | Hi Jill, thanks so much for taking my call. |
| 0:40.4 | Sure. |
| 0:42.0 | I am kind of in a dilemma right now. I'm trying to make the decision about whether to do my |
| 0:49.0 | 401k contributions on a pre-tax basis or using the Roth option that my employer offers. |
| 0:57.0 | Okay, tell me a little bit about yourself. |
| 1:00.0 | Married, single, and how much do you earn? I am a divorced woman I am about 47 years old I make |
| 1:08.8 | about 70,000 dollars a year I kind of have a mix of retirement savings right now so when I |
| 1:15.8 | retire I'm going to have a real diversity of income streams I'm going to have some |
| 1:21.8 | defined benefit pension I'm going to have some defined benefit pension. I'm going to have |
| 1:24.9 | hopefully Social Security, but I also have already have some I have a Roth |
| 1:30.3 | 401k, I have a couple traditional IRA options and I also have a a to weigh my options and figure out if it makes more sense for me at this point to really |
| 1:45.2 | invest in the Roth 401k option or if traditional would still be better. |
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