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The Roth gives you the best financial return, but as the amount you are allowed to contribute is limited, you should also contribute to the 401K. Regarding the 401K, you need to take into account your options about how it is invested. If you are limited to poorly performing mutual funds, it might be a good idea to reconsider whether the 401K is worth it.

I don't know about taking money out to purchase a down payment on a house; I am sure there are others who can give you better advise in this area. It might be better to save money for that outside of your 401K or Roth.

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