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Greetings Denise,

It emotionally/financially seems like $550 in the hand is a sure thing.

It is! That savings is real although it may be better or worse than what you'll have down the road if you take the Roth.

Welcome to a sure thing versus hypothetical savings challenge. For something slightly different, take a look at which considers 2 options: A sure 3%/year OR the return is based on the outcome of a coin flip(if you win you gain 30% and if you're wrong you lose 10%).

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