Zeeber@lemmy.ziptoPC Master Race@lemmy.world•Is it time for me to get a whole new pc, or is there anything I can salvage from this one?English
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2 months agoBad news: nothing is really worth salvaging except maybe the HDD as a spare data drive but SSDs are cheap enough to warrant the upgrade and the TV (though a monitor would be better)
Good news: PCs aren’t that expensive right now and you can make a good build for even a cheaper budget. Check out this channel for more info https://youtube.com/playlist?list=PL30pfjH1BVN908ZV3QJRAakq-4mANnInm&si=Wth4bAzl_3uA5Mk-
Compound interest will far outweigh paying taxes now for a Roth. Especially if you also have a 401k, the taxes in retirement will be potentially large based on the growth of the fund over decades. A Roth makes it so you pay nominal taxes now for potential large tax free growth later.
The exception would be if you think your income will decrease in your later working years, in which case a traditional IRA could make more sense. That however is a unique case. Generally it’s better to take advantage of a Roth if you can for tax free gains later.