alt Hacker NewsI’ve always followed this advice as well, but rolling a 401(k) to an IRA limits your ability to do a backdoor Roth.
Unless your Vanguard has a 401(k) account and it already then your golden, I’d advise rolling your previous balance into your current employers account first
A backdoor Roth isn’t the be all end all people think it is. It only matters if you think your tax rates will be higher in retirement than they are now for most people that won’t be the case.
The other case is when you are trying to manage IRMAA in retirement and it helps that you can withdraw from Roth accounts. But you can also just contribute to a Roth 401K or a Roth. Yes I know Roth limits for married and single.