401k and IRA Optimization Guide

Prompt

Optimize my retirement account contributions and investments.

Personal context:
- Age: [AGE]
- Annual income: [AMOUNT]
- Current 401k balance: [AMOUNT]
- Current IRA balance: [AMOUNT]
- Employer 401k match: [PERCENTAGE UP TO PERCENTAGE]
- Current 401k contribution: [PERCENTAGE]
- Roth vs. Traditional: [CURRENT CHOICE]
- Tax bracket: [PERCENTAGE OR 'HELP ME DETERMINE']
- Investment options in 401k: [LIST MAIN OPTIONS OR 'STANDARD VANGUARD/FIDELITY LINEUP']

Optimize my approach:

1. **Contribution Priority Order** — The exact order to fund accounts for maximum tax efficiency: 401k match → ??? → ???. For my income and situation.

2. **Roth vs. Traditional Decision** — Given my tax bracket now and expected tax bracket in retirement, which is better? Show the math.

3. **Mega Backdoor Roth** — Do I have access to after-tax 401k contributions? How does this work and is it worth it?

4. **401k Fund Selection** — Given my available options, how should I allocate? Suggest the simplest, lowest-cost portfolio using available funds.

5. **Rebalancing Strategy** — How often and how to rebalance at my age and allocation.

6. **Catch-Up Contributions** — If over 50, how to maximize catch-up contributions.

7. **HSA as Stealth Retirement Account** — If I have an HSA-eligible health plan, how to use the HSA as a third retirement account.

8. **Projection** — At my current savings rate, what will I have at age [RETIREMENT AGE]?