Currently maxing out 401k for myself and Roth IRA for myself and my wife (stay-at-home mom). Work is now offering a Roth 401k post-tax contribution option, with no in-service distributions.
I know it's not always popular around here, but we're overpaying our mortgage significantly and are on track to have it paid off in the next 2 years. I have a well paying software job, working remotely in the midwest while making coastal wages. I don't want to assume that this will always be the case, and the peace of mind of paying off the house is worth it.
That said, I'm considering taking some of the mortgage overpayment and putting it in to the Roth 401k. Aside from the general "pay the minimum on the mortgage" arguments, is there anything in particular I should know or consider about making Roth 401k contributions, especially without in-service distributions?
