Financial Advice for Newly Hired Academics and PhDs
Personal Finance for PhDs
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How to Make the Right Choice for Retirement
As your income increases, it makes more sense to use traditional versions of these accounts. If you have a pension versus a 403b type account, take the pension because you can always convert the money later on and take it with you. But if you're making less than $80,000, the Roth is the way to go. You are not getting killed by taxes. Most likely you'll end up with more taxes down the line.
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