Here are some recent interesting posts from the MoneyBlogNetwork and beyond: MightyBargainHunter talks about your home’s value and your net worth. Five Cent Nickel gives his historical net worth numbers. Blueprint for Financial Prosperity thinks debt …

I don’t think gov’t will change the policy on the Roth – unless those politicians don’t want to be reelected.

Company matches do indeed have to go into a “Rollover IRA” and not a Roth IRA. I just went through the process myself, and I will have to say it is a bit of a pain because not many people have done this yet, as the Roth 401k is still so new. When I asked for the forms, the administrator did not send forms for me to handle both, and I didn’t really feel comfortable making a copy and modifying it (by hand, crossing stuff out and writing stuff above it), but that is what they told me to do.

My gut instinct may have been right, though. My employer match transfered into my Rollover IRA last week. As of yet, my contributions have not made their way into my Roth IRA. I am calling them today to find out what is up.

I’m almost positive that the employer match would have to go in a separate account that is taxable upon retirement. Why? Because your company gets a tax deduction wehn they make contributions to your 401(k).

I’ve left the 6% contribution required for employer match in the regular 401(k) and moved the 4% over (I contribute 10% of my salary in total) to the Roth. I don’t yet know if the employer match stays with the regular 401(k) or gets split 60/40. We’ll find out in early August!

Since we don’t really know what that will actually look like, it would be nice to have as much choice as possible in the future, not only when we start spending our savings, but as the tax landscape continues to change over the course of the rest of our lives. With each passing year we can look to pay ourselvs from the most advantages source at that point in time.

I look at a contribution of $15,500 to a traditional 401k plan as really a contribution of $15,500 * (1 – .28) for someone in the 28% tax bracket. The difference (28%) is actually a contribution to the Federal Government’s investment account. Why? Because after a lifetime of doing these types of contributions, you will end up with the financial a lump sum minus 28%. I’m not at all suggesting that this is a bad choice. I do it.

However, most of the comparisons being done are comparing a maximum contribution into a traditional 401k plan with the reduced post tax comparable amount in a Roth plan.

In this analysis, if one’s tax rates stay the same when contributing and withdrawing, then the two methods are identical.

But what if one of our goals is to maximize our retirement accounts. Even though it will hurt more to contribute to a Roth 401k plan, in the long run we will have an investment account that is larger because there isn’t any government share. And isn’t that the primary goal why we started these retirement accounts?

This benefit of the Roth 401k kicks in when someone contributes to a Roth 401k any amount that is greater than (Max Allowed Contribution * (1 – .28)) up to the Max Allowed Contribution. In the long run, you will have sheltered more of your income to your retirement plan.

But it also says that it can be rolled over to a Roth IRA, which is not subject to RMD. Sounds like a loophole to me, one that may be closed later. Probably by making the Roth IRA also subject to RMDs ;(

Otherwise good points. Except that I think that tax rates could increase in the future — I think they most likely will increase.