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Even without the matching funds, tax defferal still makes participation in a 401K attractive. If funds are limited, you may want to consider where best to place them and that can depend on the expected returns of the various investment options.

Check out your Kemper investment options on before you decide. Kemper does have a good performing technology sector fund--which in recent years beat Vanguard index funds hands down.

Your Roth IRA accounts (yours and your wife's) should be your first investment. Then max both of your 401Ks pretax first--then aftertax too--if you can.
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