Spouse and I, mid-40s, are getting divorced in the state of Texas. Whether MFJ or single return, we seem to be in the 22% tax bracket for 2018 according to nerdwallet, but of course who knows what will be when we retire in 20 years.
Question: Does taxable 403b money get treated as "less valuable" compared with Roth money when we go to settle this community estate? 60% of our retirement savings is either 403b or traditional IRA (that was a rollover acct) and the other 40% is purely Roth.
Is there any purpose in treating the 403b money differently and trying to discount it now to account for taxes later? Asking for my soon-to-be ex, because the lion's share of this retirement money is his 403b. Thank you.
(Edited for clarity because there is no such thing as a traditional Roth)