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homeboi808 t1_je6mjed wrote

You are discussing IRAs, OP is asking about 401ks (I thought IRA too, until op I read the description of 3 options and re-read the title).

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Leucippus1 t1_je6nwmq wrote

Oh, maybe your right, it is the same idea though - except 401(k)s are employee sponsored and are subject to different limits. The fundamental tax question is the same.

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