$200K Earner Ditches Roth to Game College Aid

$200K Earner Ditches Roth to Game College Aid

Quick Read Harvard, MIT, Yale, and Penn now offer free or heavily reduced tuition to families earning below $200,000, creating a six-figure benefit that can justify switching from Roth to traditional retirement contributions to lower reported Adjusted Gross Income (AGI) used in aid calculations. Families should verify whether their target schools use FAFSA (which no longer adds back 401k contributions) or the CSS Profile (which often does add …