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My wife and I are 30 yrs old and we've accumulated about $200,000 over the last five years in mutual funds, 401k, 403b, Roth-IRA's and individual stocks. About half is in tax-deferred accounts and half is in taxable accounts. From a distribution standpoint, should we continue to max out the tax-deferred savings or would it be in our best interest to cut back on it and invest primarily in taxable accounts and the Roth-IRA's? I want to maximize growth but at the same time minimize the tax hit when we retire. I suspect our tax bracket will be higher when we retire than the current 20% for long-term gains.

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