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>1. Is it generally better to defer tax payments via >401(k) or traditional IRA, or to pay now and play
> later with a Roth IRA?

Assuming the same tax bracket in retirement, a true $ in either does the same. The difference is that with Roth, you've paid the tax beforehand, thus in reality you are putting more $ in.
However, 401(k) often has an employer match that's worth quite a bit.
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