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I am in the same boat on this one. I changed my 15% contribution from my 401K down to 8% and took the other 7% into my Roth IRA.

I think it is a good idea because it diversifies your portfolio, and even though you are paying the taxes now, just think of the taxes you won't have to pay when you start taking the funds out in 40 years.

As long as my contributions don't bump me up into the next tax bracket, I am going to continue to spread my 15% across my Roth IRA and company 401K.
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