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Of course, with a crystal ball, one could contribute for maximum tax efficiency, but the thing about crystal balls is that they don't exist.  It's pretty great that the SECURE Act bumped the RMD age to 72!","author":{"@type":"Person","name":"Logan Allec, CPA","url":"https:\/\/loganallec.com\/"}},{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/taxes\/personal-taxes\/roth-ira-vs-traditional-ira\/#Comment2","dateCreated":"2020-02-17 10:56:46","description":"I felt like the best plan was to max out my 401k, my Roth and put another big chunk in a taxable brokerage account every year, except in those years I earned too much to have a Roth. 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