James Studinger, fiscal adviser and owner on the JPStudinger team in Bloomfield Hills, reported he thinks the Roth 401(k) is neglected by much too Lots of people. And he's baffled by why more people are not using the Roth 401(k).

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Or, he mentioned, the idea was that "Every person would fail at changing their pension. And it assumed people wouldn't accumulate a million or 2 million or 3 million dollars." But which is not normally the case now.