You are so right ! I was never a particularly high earner but a Roth never made sense for me. It really depends on your circumstances, do you work for a public or private sector, all kinds of considerations. For some it is indeed a good vehicle, but certainly not for most at all. My major concern is HOW MRD's are figured, WHEN they are figured, etc. I am quite frustrated with the variety of answers I have received by Fidelity (depends on which rep you get on which day as to the answer). One Vanguard rep just said she really was not sure !
Will my new MRD be figured on my balance on Jan. 1, 2019 ? Even my tax preparer gave an answer different from the two brokerages mentioned ? Dah !!
Last edited by Ladygolfer93; 01-07-2019 at 01:03 PM.
Reason: left out word
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