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@yorkslad You both will effectively retire millionaires. The extra won’t make a huge difference, but it’s enough that there’s not much reason not to max it. Unless you think an extra $250~ a month (mind you that’s pretax, so maybe $175) in your pocket will change your life, you may as well put...

@crimson12 Good to know. Thanks. I’d feel awkward referring to myself that way though. My kids already want to refer to me as a senior citizen even if I’m no where close.

@werise55 Never heard of a senior anything in regard to officer ranks. Sounds like something an LT would say though lol

@werise55 No. For example, I have money in VOO using fidelity.

@werise55 Post tax dollars, so doesn’t change anything. You should be able to just fill it in next year anyway. It may ask what your 2023 Roth balance was and then what your 2024 balance is. In either case, it changes nothing about your current tax bracket, so no amendment should be warranted.