I switched off the Roth retirement investments and reverted back to all pre-tax traditional deductions. It doesn’t make sense to lose $600 a month now in taxes when I am trying to accumulate a savings cushion in my earnings years. I need that $600 a month for booze! There is so much conflicting messaging on Roth accounts, that I honestly have no idea if I’ll even need to worry about them at all at my level of retirement savings. In the meantime, I’m going to continue to do what I’ve been doing successfully for centuries and not make any additional changes.