I make 60k now, so obviously some traditional to drop my income into the 15% bracket. If I were to max everything next year (approx 28k), I would end up with about $200/mo buffer given my projected expenses after moving. I am not certain if SO and I can meet that level of spending (27k/yr for us). I feel like 200/mo is cutting it too close for a projection. This maxing is traditional 100% to reduce my tax bill enough to max everything. However, I am going to be in the 15% bracket, and am early in my career so this is as low as my tax bracket will go. This means favouring Roth for every $ inside the 15% bracket. This also means that I cannot max out the accounts and still have enough money to live on. For accounts I have access to: HSA (taxed in my state, but a deduction in the higher tax state I work in), IRA (vanguard funds, taxed in my state, a deduction in the state I work in), 401k (best exp ratio I could do was 0.32%).
So the question is what do I do:
A) max accounts (all traditional)
B) put just enough traditional into 401k to hit 15% then put what I can in as Roth (IRA, 401k) even though they won't be maxed
C) something else