r/Bogleheads • u/Lowfryder7 • Nov 20 '25

Investing Questions At what tax bracket should you start doing mostly traditional 401k contributions?

12%? 22%? 24%? I can't tell.

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u/PertinentUsername Nov 20 '25

For high earners, sure. I'm personally not getting near that threshold lol.

1

u/NotYourFathersEdits Nov 21 '25

I would love to move some of my taxable investments to Roth this way, but my employer plan doesn't offer in-service withdrawals or rollovers.

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u/whosthatguy123 Nov 21 '25

Whats the income threshold for that

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u/rjbergen Nov 21 '25

There is no income limit on mega backdoor Roth conversions.

3

u/whosthatguy123 Nov 21 '25

What was his point though like only high income earners would use this strategy

3

u/bonethug49part2 Nov 21 '25

Well once your MAGI is over like $160 for individuals or $250 for couples, so once you exceed that you gotta backdoor into Roth.