I already have a retirement account through my employer. It's pre-tax and I can contribute up to 15k per year tax deferred. I don't see myself even coming close to that in the foreseeable future. Is it worth it to setup another IRA? I may setup a Roth in a few years time, but I do need some investments I can actually use in the not so distant future (to buy a house mainly, well the down payment anyway). Happy to help. Please continue to stop by and share insights as you have them.I don't want to be bossy, because there are so many good ways to work with money. Please don't take my experience as the only way.I have elected to follow the plan I mentionned in the last post. Your goals may vary. For my specific 401k equivalent, an IRA is a better retirement savings option. I don't know about yours. If any contributions are matched, then contributing up the max matched amount before an IRA, is almost certainly best. The "almost" depends on the rate of returns likely from your 401k vice a possible IRA.
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