If she is not concerned about tax consequences, go for the Roth. But if she needs to scrape as much money as possible, getting the tax deductino from the 401k contributions may still be of value. Remember, 10% of her pretax salary ($3k) is the roughly the same as 12.5% after tax (assuming a 25% tax rate), or $3750. This means that it costs $750 more to put $3k into a Roth than it does to put it into a 401k. If the fund selection in the 401k is OK, then don't just dismiss it.Assuming my math is all correct...
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