What role does traditional 401k savings play in your retirement income planning?

Описание: This video will examine the difference between taxable income while working and income in retirement. The aim is to consider that income in retirement is created and taxed from the bottom up, whereas income while working is top down. We will examine historical tax rates and make the case that traditional savings can be assumed to be beneficial for a large majority as part of a diversified savings strategy.

Time Stamp
00:00- Intro
03:35- setting up the pre-tax versus roth problem
05:03- historical tax rates
06:17- top down versus bottom up income (marginal and effective tax)
07:01- introduction to working income versus retirement income
07:55- working income and tax examined
12:02- retirement income examined
13:30- capital gains and cost basis explained
14:40- long term gains and short term gains explained
15:06- the benefit of inflating capital gains tax brackets for filling up income
18:00- details of marginal/effective taxable income in retirement
21:15- testing the scenario with inflated historically high tax rates
26:00- takaway message from historical perspective
26:43- when pre-tax may not make sense
28:04- outro


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