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![MrNQDC Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1066609436.png) Mr NQDC [@MrNQDC](/creator/twitter/MrNQDC) on x 1181 followers
Created: 2025-07-24 21:08:17 UTC

For high earners, I find it’s hard to beat:

✅ Pre-tax 401(k) now

🔄 Roth conversions later... when income drops (sabbatical, retirement etc) & Uncle Sam wants less of your money

Rather than pay a XX% or XX% marginal tax rate now (which is the case with a Roth 401k contribution or money invested in a taxable account)

…when their effective tax rate later might be half that


XX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1948490442967843156/c:line.svg)

**Related Topics**
[tax bracket](/topic/tax-bracket)
[money](/topic/money)
[retirement](/topic/retirement)
[drops](/topic/drops)

[Post Link](https://x.com/MrNQDC/status/1948490442967843156)