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No. of Recommendations: 2
Easy answer.

Both


I'd say that's the easy/ideal answer! For someone that does not have enough to max their 401k and IRA, I'm not sure both is a viable answer, unfortunately.



The worst enemy of a good plan is the dream of the best plan.

This might be the best statement made on this board in a long time. For a while, I was going crazy trying to determine what the best allocation was...and what the best type of account was...etc. Then I realized that this can just cause paralysis in trying to be too perfect. Getting 95% of the way there and sticking with it is far better than waiting to get all the way there and never actually getting anything done!

Acme
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