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Ah,but aren't you looking at the wrong end? She's only 23. At age 65 what does the taxed vs untaxed retirement savings net if later on, at a higher salary, her company begins to match in the 401K? I tried playing around with the fool calulators but I wasn't sure I was doing it correctly because the Roth vs. 401K assumes all or nothing.

I am thinking that at that age I need all the disposable income I can get, and don't want to waste $750...
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