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Virginia Jones
  • Rental Property Investor
  • Pulaski, VA
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Roth vs. traditional - Need help on which strategy is best

Virginia Jones
  • Rental Property Investor
  • Pulaski, VA
Posted May 1 2018, 09:03

I've been listening to the "FIRE" community stating that it's best to max out pre-tax accounts and when you retire early, doing the conversions over to a Roth. This is assuming you will have a low enough income to be in a low tax bracket.

My question is how owning rental real estate can affect this strategy. I've been contributing to a Roth IRA since I was 18 (24 now). My husband has a Roth IRA and we both have Roth 401k's as well.

We also have 3 rental units and plan to acquire more in the future.

Is the FIRE community's conversion strategy for non-real estate people? Am I focusing too much on the Roth and maybe do some pre-tax saving as well?

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