Okay, next up we have a question from Austin.

He says, I've heard for younger investors, under 25% total taxes, Roth is more favorable

and above 30% traditional is more favorable.

Do tax percentage rules change based on age and if so, how?

Does percentage rules do not change based on age?

What makes the most sense for you, however, does change based on age.

Now we have see people all the time that say, hey, I don't care.

Even if you are a 22 year old, you make a million bucks a year.

You're in the top tax bracket and you live in a high tax state.

Even then, you ought to do Roth.

I understand the academia behind that and the thought of long term tax-free growth, but I

also understand the value of present day tax savings.

If I can give you a dollar and in return, you're going to give me a 30% immediate rate of

return.

That's how you can think about the tax savings.

It's really, really difficult to walk away from that benefit.

However, we have seen, later in life, we have clients that have very large 401Ks and

they've got very large taxable brokerage accounts and they're still saving in their 401K.

They're thinking, you know what?

I'm not going to run out of money.

What I really need to be thinking about are how I'm going to legacy plan for the next

generation.

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