So I'm starting a new job in a few weeks, and the company offers both a traditional, pre-tax 401(k) option and a Roth 401(k) option. The overall IRS contribution limit is the max total contribution, and it can be split any way the employee wants between the two options.
Obviously, in a traditional 401(k), contributions are not taxed, but withdrawals are taxable. Any contributions to the Roth 401(k) would be taxed first, and would thus lower take home pay, but then withdrawals would never be taxed.
In the past, I have always attempted to contribute the maximum amount (up to the IRS limit) to a traditional 401(k). Then in some years, I made an additional contribution to a Roth IRA. But there was no real choice to be made there. All of my 401(k) contributions had to go into a traditional IRA, meaning all other income that I had to consider contributing to an IRA had already been taxed.
Here, if I go the Roth 401(k) route, my contributions will be made after federal, state, Social Security, and Medicare taxes have been taken out.
I'm leaning towards putting all of my contribution into the Roth 401(k). Just wondering if anyone has experience with this decision and can articulate any pros and cons I haven't addressed.
Didn't see another thread that seemed like a good place to discuss this article and the general topic of redraft TE tiers.
A few comments:
1. Bloom prefers Allen over Fleener, and there are many who agree. I'm with Bruce Hammond on this one and believe Fleener will outscore Allen this year. There isn't much discussion on these two in the article, but perhaps we can discuss the situation here.
2. The article characterizes Moeaki as a deep sleeper and doesn't mention Fasano or Kelce at all. Similarly, Dodds' default Draft Dominator rankings have Fasano ranked as TE #50 and Kelce ranked as TE #72. But Moeaki is currently rehabbing injury and is #3 on KC's TE depth chart, behind Fasano and Kelce. Meanwhile, there are rumors that Moeaki could be traded. I'm interested in others' thoughts on the KC TE situation, as the FBG take on it right now seems off base to me.
3. The article identifies Gates as a TE2 depth play. In 15 games last season, Gates finished as TE13 in PPR, less than 3 points behind TE12 (i.e., a #1 TE). The season before that, he was TE7 in 13 games, and he was a top 4 TE for 7 straight seasons before that. He just turned 33, so IMO he is not too old to rebound back to a #1 TE. The entire San Diego offense imploded last season, and there are many reasons to believe it will be better this year. I think Gates is being underrated for redraft purposes.
That should be enough to get some discussion started.