[USER]

I’m NOT contributing the max to my Roth every year. I started that late and only have $20,000 in it.
I do have a Roth 401k / 401k with $400,000 in it.

I contribute 20% to that instead because I thought the compound interest would grow quicker because it’s a higher amount.

Don’t I want to throw more money at the bigger amount? Or am I making a mistake?

All my contributions are to the Roth 401k and my company match is to the 401k.

[Mike]

Up to the match percentage in 401K, anything over that goes into Roth 401K.

[Garret]

Compound interest works equally whether you have $10,000 spread over 10 different accounts or you had $100,000 in one singular account.

[Ivy]

The conventional and majority will say fund the Roth max first. I am doing the opposite until my son is done with college so that I can max out on all tax benefits with lower AGI.

I’m on track for PSLF program which my student loan payment goes by the AGI.

This will also make my son most likely can avail financial aid in 3 years.

I’m not making 6 figures though and I live in LCOL area.
Strategies are different when situations are different.

[Author]

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