Stop in for a cup of coffee

ZMan67S said

We do our Roth contributions every year, and send a chuck once or twice a year to our investment guy.
He's a long time Army buddy, and after 25 years of working with him the good thing is we are still buddies.
He's taken good care of us.

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All our contributions are pre-tax at the moment, I’m switching everything to a Roth in January, paying the taxes from it now before Dems get control and raise taxes, and from there, everything will be a Roth. They’re talking a 33 percent tax bracket on 401ks for my balance level.