Generally speaking, yes. Even if you think the market is overpriced, it's generally worth making the maximum contributions to your IRAs. The tax savings are likely to be far larger than the slightly inflated cost of stocks, shares, and funds. ...
You want to avoid RMDs Both the traditional 401(k) and the Roth 401(k) had required minimum distributions in 2023 (though there are a handful of exceptions), but the Roth allowed you to escape the RMD without any extra taxes. Beginning in 2024, RMDs will no longer be required for Roth...