u/Expert_Ad5912

Looking for some opinions here....wife and I both 50 years old. combined 400k income. I have govt job that should end with 100k annual pension not adjusted for inflation. wife is small business owner so I've been maxing 403b and 457 accounts. combined 700k saved all traditional. Our marginal rate is 24% and state tax around 7% so the way I've looked at it is that assuming we move to a tax free state in retirement, we would almost certainly be saving that 7% regardless of retirement tax bracket. Then I went down the rabbit hole of YouTube experts and it got me thinking about if I should perhaps split my contributions between Roth and traditional to hedge my bets and create a level of flexibility that otherwise wouldn't exist. TIA