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When I was setting up my accounts, the matter was more a function of the way ma'aser is calculated rather than when the tax is taken. If the money is direct deposit, then you can calculate the ma'aser on the amount that is deposited into your checking and savings account. In that way, the Roth is treated the same as the 401K and is subject to ma'aser when ...


I have spent time over several days unsuccessfully trying to locate my copy of "Eye of the Needle" (which incidentally I see is recommended in the link you provided) but in the index there is a copy of the Jewish Observer article which you and your source have mentioned. My recollection of the article is that it didn't merely mention this idea in his name ...

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