<h1>Top 3 Reasons Why the Roth 401(k) Outshines the Roth IRA</h1>
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<h2>1. Higher Contribution Limits</h2>
<p>The Roth 401(k) allows for contributions of up to <strong>$23,000 a year</strong>, in contrast to the <strong>$7,000 a year</strong> limit for the Roth IRA. Why is there such a difference? Unfortunately, I have no idea.</p>

<h2>2. No Income Limits</h2>
<p>Another significant advantage is that there are <strong>no income limits</strong> for contributing to a Roth 401(k). In contrast, the Roth IRA does impose income limits. Again, the reasoning behind this distinction remains unclear.</p>

<h2>3. Required Minimum Distributions (RMDs)</h2>
<p>While it’s true that both the Roth 401(k) and Roth IRA have required minimum distributions, the potential growth in a Roth 401(k) can be substantially greater. This can lead to considerable wealth that you can pass down to your partner or children, entirely tax-free.</p>

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