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Congrats on paying off your bills and having money now available for retirement. The general consensus has been to put as much money as the employer matches in your 401(k), then put any additional money (up to $2k) in a Roth IRA and any additional money in the 401(k). Since your employer doesn't match and the choices are probably somewhat limited, put the money in the ROth first since the proceeds can grow tax-free. Then put as much money as you feel comfortable doing into the 401k. Of course any additional after-tax dollars can go into a savings/investment account.

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