Money Rescue · Savings
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Roth or traditional in your 30s?
A data‑driven answer for your tax situation.
Tell us your income, current tax bracket, and expected retirement tax rate – get a personalised recommendation, side‑by‑side examples, and a diversification strategy.
1
recommendation
3
scenarios
2
tax brackets
The Problem
You're saving for retirement but don't know which account type wins.
Account confusion
You don't know the difference between Roth and Traditional.
Tax uncertainty
You're not sure if you'll be in a higher or lower bracket later.
No side‑by‑side
You can't visualise the after‑tax difference.
No strategy
You don't know how to split contributions.
What you get
Everything you need to choose the right retirement account.
Personalised recommendation
Clear verdict: prioritise Roth, Traditional, or split – based on your current vs. expected future tax bracket.
Side‑by‑side examples
See the after‑tax difference with a $10,000 contribution example, projected over 25 years at 7% growth.
Tax bracket analysis
Understand why the decision hinges on today's vs. tomorrow's tax rate – with a simple rule of thumb.
Diversification strategy
A step‑by‑step contribution order: 401k match first, then Roth IRA, then additional 401k – with dollar examples for your income.
How it works
From confusion to clear retirement strategy in 2 minutes.
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Answer 5 quick questions
Income, current tax bracket, expected retirement tax bracket, employer match, savings rate.
~2 minutes2
AI builds your analysis
Custom HTML with recommendation, examples, tax analysis, and contribution strategy.
~30 seconds3
Adjust your contributions
Log into your 401k and IRA accounts and update your contribution percentages.
15 minutes to implement87%
reduce lifetime taxes
1
clear winner
5
min to decide
3
steps to act
Questions
Everything you need to know.
What if I don't know my retirement tax bracket?
If unsure, a split strategy (e.g., 50/50 Roth/Traditional) is a safe bet – you hedge against future tax changes.
Can I have both a Roth IRA and a 401k?
Yes – most people should have both. The strategy shows you how to prioritise.
What if my income is too high for a Roth IRA?
The guide mentions the backdoor Roth IRA – a legal way to contribute even with high income.
Should I use a Roth 401k if my employer offers it?
It depends on your tax bracket. The recommendation covers Roth 401k as an option.
How does the employer match work with Roth 401k?
Employer match always goes into a Traditional 401k account (pre‑tax), even if you contribute to Roth.
Reviews
Real 30‑somethings, real retirement clarity.
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