Domain: tiger-web1.srvr.media3.us Just changed my distribution for 401K and added a Roth | Money Talk
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Just changed my distribution for 401K and added a Roth

Posted on 1/7/26 at 12:45 pm
Posted by Arthur Bach
Member since Jul 2016
3056 posts
Posted on 1/7/26 at 12:45 pm
Went from 5% to 10% for 401K
Added a Roth at 5% from the advice from the board.

So 15% now toward my retirement. S&P index.
Posted by Dock Holiday
Member since Sep 2015
1876 posts
Posted on 1/7/26 at 12:48 pm to
Good, now get into an HSA if available to you.
Posted by TDsngumbo
Member since Oct 2011
49737 posts
Posted on 1/7/26 at 1:17 pm to
I'm paying off all debt except the mortgage this year. I'll be done by end of September and starting in October, I'm maxing out both Roth IRA's as well as my roth 401k at work. Also going to start putting $300/month in both kid's 529 plans. This is the year I finally take back control and build some wealth.
Posted by TrapperJohn
Louisiana
Member since Dec 2007
12232 posts
Posted on 1/7/26 at 1:17 pm to
I just did this yesterday ( from 7- 10%) and I'm starting the year in an HSA. I would like to add a Roth soon but that might put too much stress on my budget.
Posted by TheWiz
Third World, LA
Member since Aug 2007
11872 posts
Posted on 1/7/26 at 1:30 pm to
Just made sure my 401k contributions were upped to $2,041.66 / month for 2026.
Posted by notsince98
KC, MO
Member since Oct 2012
21656 posts
Posted on 1/7/26 at 3:07 pm to
if you are in build mode, saving taxes (traditional over Roth) and putting that extra income towards debt might be a better option until you are fully free.
Posted by ATOlurker
Lafayette
Member since Sep 2005
315 posts
Posted on 1/7/26 at 3:18 pm to
Congrats! You are basically a millionaire now. Just have to keep doing the same thing for 25-30 years
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