Ask Terry Questions Roth contribution

Roth contribution

By Terry Savage on February 16, 2026 | Financial Planning / Retirement

My full retirement age is in 4 months. I plan on working another year. I have a Traditional 401k. Would it make sense to stop putting money in my traditional 401 and start putting it into a Roth or split contributions between the two. My company is using Fidelity. I’m currently contributing as much as I can afford.

Terry Says

Sure, do the Roth. You won’t have required minimum distributions from it — but you won’t get a tax deduction either. And the longer you work, the more you can contribute!

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