Just read about a 401k strategy of putting no more into than the company will match. My company matches 6% and I'm putting in 12% before tax currently. The next leg of the strategy is to place the balance into a Roth IRA. While there will be the tax bite up front, The money will grow tax free and I can access the money anytime I need to without penalties. Read this in Kiplinger's magazine - sounds too good to be true! Does Roth IRA mean I only pay taxes now? Seems like there must be some restrictions or an avalanche of people would be pouring into Roth IRAS.
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