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For example, the more of the following income streams youll have, the better the Roth option becomes: Social security benefits An after-tax brokerage account A defined benefit plan Active real estate income Other passive income streams (courses you created, book royalties, etc.) Additionally, the more income you have coming in during retirement, the less likely you are to need the income from your retirement accounts, allowing you to not take distributions from the Roth 401k (an option you dont have with the RMDs associated with the traditional 401k) and instead allow that money to continue to grow tax free

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