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Someone told me I'll get killed by taxes when I retire because I have "too much" in my 401K at work. He suggested I put $2000 of my 401K (no match by employer) into a Roth IRA... thru him. I was always under the impression that it's best to max out my 401K. I can't afford to do both right now. My assumption is also that I'll pay higher taxes now than later, so pay later.

So do I lower my 401K % at work and put the rest in an index fund Roth IRA or stay maxed in my 410k?
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