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Yes, when it comes to after tax contributions to a 401(k) or non-deductible contribution to a Traditional IRA, I agree with you: tax-efficient investments in a taxable account are likely to do better! (My choice would be more in lines of VTSMX but that is another discussion.)

LOL! Actually, most of this thread is another discussion!

As you can see by the original question and the tag line, I was asking about 401(k) and Roth.

Anyway, thanks to the original responders. I think we can start maxing both in a couple of years. I was just curious about the conventional advice for those who don't have $15K+ a year to put away and don't have the time to get the retirement accounts to the point where they'll actually be able to withdraw more in retirement than they make while working.

thanks everyone
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