[Samuel]

it sounds like it won’t really matter. You started so young contributing to retirement plus you have a pension. You should be just fine at retirement.

[Darryll]

Do you have a pension as well as a TDP/401k? And then do you mean 401k (which is for private companies), or do you mean TSP (which is what most federal employees, like GS employees, get)? And then lastly, what’s your salary – that is the biggest point of difference between starting a Roth IRA vs a Traditional IRA.

[Tom]

Do you mean TSP instead of 401(k)?

I’d put enough in my pre-tax TSP to get the match, then max out a Roth IRA next. If you have anything left after that, consider Roth TSP contributions up to the annual max.

Have you seen: Roth vs. Traditional 401k: Which is right for me?

[Scott]

I would personally max it out if you can afford that money. Roth vs traditionally look at what your tax outcome is.

If you play smart putting money in traditionally vs Roth is basically the government giving you free money because of the tax relief.

[Author]

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