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being "100% vested" in your OWN money is irrelevant. You'd be 100% vested in it had you never contributed it to the plan

Not with tax free growth. That is the beauty of the 401k. The money that you put in is tax free, and grows tax free. And completely portable.

Similar to a traditional IRA, but much larger quantities can be invested each year. Also no income limits for the most part.

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whyohwhyoh
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