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DeluxeXL t1_jdr6ru2 wrote

> I only make $12K-$15K right now (I’m a student)

Roth (either Roth 401k, Roth IRA, or both) is indeed the best option for you right now.

Don't worry about the after-tax now. You literally can't contribute enough into Roth to even need to use the after-tax space.

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