how to pick an IRA account?
Long time no post!
For transparency, with my old employer I have both a traditional 401(k) and the Roth 401(k). I decided to contribute to both plans because I figured it doesn’t hurt to put more money into retirement. My thought process was that I was in my lowest tax bracket of my life, so I can do Roth. I put money into traditional since that was the default option 
. I also opened up a separate Roth IRA a few months later, because why not? I was 22 and with so many years to grow…
Which Broker to Use?
Thanks to Nerd Wallet, who put together a great summary table here. They compared the brokers, what it’s best for, cost of making trades, and current promotions.
I am looking for something that is low-cost, so I am deciding between Fidelity and Vanguard thanks to Nerd Wallet.
Fidelity has this amazing promotion going on to match 1-10% IRA contributions for current year + next 2 years depending on how much is deposited. To much sadness, I did not qualify since “direct rollovers from a 401(k) are not eligible.”
Vanguard was my next choice and the broker I had in mind already but needed some extra reassurance. It also helps that my current employer switched to Vanguard so I already have funds here.
Rollover or Convert?
The next hurdle is figuring out if I wanted to convert my Traditional 401(k) portion as well. Note that this is a very personal choice!
and tapas, drinking sangria and wine 
, and exploring the city by foot.Ā Six days was notĀ long enough since I didn’t get a chance to explore the old 
show, we did not attend a game. The night we flew in was a game that Barcelona won (the streets were probably so crazy, but would’ve been a great experience!) Bullfights were banned in 2012… so head over to Madrid.
