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PaperclipPerfector  1mo ago (text post)   2090 thread views

Small-Scale Question Sunday for September 28, 2025

Do you have a dumb question that you're kind of embarrassed to ask in the main thread? Is there something you're just not sure about?

This is your opportunity to ask questions. No question too simple or too silly.

Culture war topics are accepted, and proposals for a better intro post are appreciated.

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Roth IRA limits are not that high. ~250K currently, with for two-income family - or moderately well earning one-income - is not a lot. Once you hit that, no Roth for you.

Mega-backdoor Roth 401k allows up to 70k/year contributions with no income limit. Your employer has to offer it. FAANG does. It's a normal roth in terms of tax treatment.

When leaving the employer, you can convert to roth IRA with no penalties. Even better, you can leave it as non-roth until leaving the company, again with no penalties (but ofc you pay the income taxes to convert to roth).

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A motte is a stone keep on a raised earthwork common in early medieval fortifications. More pertinently, it's an element in a rhetorical move called a "Motte-and-Bailey", originally identified by philosopher Nicholas Shackel. It describes the tendency in discourse for people to move from a controversial but high value claim to a defensible but less exciting one upon any resistance to the former. He likens this to the medieval fortification, where a desirable land (the bailey) is abandoned when in danger for the more easily defended motte. In Shackel's words, "The Motte represents the defensible but undesired propositions to which one retreats when hard pressed."

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