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<blockquote data-quote="Allen" data-source="post: 277972" data-attributes="member: 389">That's almost FREE money with interest rates like that.&nbsp; I'd say pay the minimum on those loans and maximize what you can put into your savings.&nbsp; It doesn't take a very good financial planner to help you top those kinds of returns.- - - Updated - - -All employers have a downside.&nbsp; With regard to benefits, I'd say that Fed/State/Local govt benefits are better than average, but they're not as good as the best private employers.&nbsp; I think there's always greener grass that catches a person's eye, I've been guilty of it myself...several times. Sooner or later though you have to pick a horse and ride it to the finish line of this race called life.- - - Updated - - -I think the biggest benefit of a Roth is the ability to make a large tax free withdrawal to purchase something.&nbsp; Like maybe an RV so you can tour the country, etc.&nbsp; Or you can balance your traditional withdrawals with a Roth to manage your tax bracket.&nbsp; A Roth alone is not a great plan, IMHO.&nbsp; Limits on contributions are too low to put away meaningful amounts of retirement funds, plus the matching monies one receives are generally headed for a traditional IRA or 401k.&nbsp; At least, I know my Roth doesn't get the match.</blockquote>

[QUOTE="Allen, post: 277972, member: 389"] That's almost FREE money with interest rates like that. I'd say pay the minimum on those loans and maximize what you can put into your savings. It doesn't take a very good financial planner to help you top those kinds of returns. [COLOR="silver"][SIZE=1]- - - Updated - - -[/SIZE][/COLOR] All employers have a downside. With regard to benefits, I'd say that Fed/State/Local govt benefits are better than average, but they're not as good as the best private employers. I think there's always greener grass that catches a person's eye, I've been guilty of it myself...several times. Sooner or later though you have to pick a horse and ride it to the finish line of this race called life. [COLOR="silver"][SIZE=1]- - - Updated - - -[/SIZE][/COLOR] I think the biggest benefit of a Roth is the ability to make a large tax free withdrawal to purchase something. Like maybe an RV so you can tour the country, etc. Or you can balance your traditional withdrawals with a Roth to manage your tax bracket. A Roth alone is not a great plan, IMHO. Limits on contributions are too low to put away meaningful amounts of retirement funds, plus the matching monies one receives are generally headed for a traditional IRA or 401k. At least, I know my Roth doesn't get the match. [/QUOTE]

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