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Half roth/half regular would basically just be sort of a hedge. Since the limits on 401k stuff are usually based on pre-tax traditional contributions (and since they are a smaller hit to your paycheck due to their pre-tax nature) I was thinking you could get your full employer contribution in pre-tax funds and then throw an extra 5k into a Roth while you are still eligible.
Maybe I am not quite understanding your situation here but basically your priorities for investing should be:
1: 401k up to employer match limit (I suppose this can be roth or trad...as long as you are getting the max match)
2: Roth IRA if eligible (otherwise traditional) up to the 5K annual maximum.
3: 401k to the legal limit.
4: Regular taxable investments.
Can someone explain to me, intuitively, what is the benefit of investing in a 401k vs a taxable brokerage account? Assume no match, same tax rates both when contributing and withdrawing, and no early withdraws from the brokerage account. I've read this blog post and it seems that there are two reasons:
401k investments are only taxed once, at your income tax rate, on withdraws.
Taxable accounts use post-tax dollars and realized gains are taxed again at a capital gains rate at withdraw.