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Thanks for everyone's feedback.

As far as the 401k goes, I'll probably leave my money in the S&P 500 index for now. Though, I think I will followup with the benefits administrator about a mid-cap index fund.

I'm beginning to think that maxing out my 401k contribution as early as possible is important. I originally formulated an aggressive debt-reduction plan for my student loans (I recently paid off all my credit cards, and I'm developing a new budget). I owe about $15k in student loans.

I can be debt-free in 2 1/2 years, while contributing $6k/year to a 401k and $2k/year to a Roth IRA. Or I can contribute $10k/year to 401k, $2k/year to Roth IRA, and be debt-free in 4 years.

Any opinions?


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