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Greetings, Oldred22, and welcome. You wrote:

I almost responded to the original post and I am in no way taking exception to what pixy wrote, but this keeps seeming like it is being thought of as an either/or thing.

But I would think the best of all worlds would be to do both (and yes I know that cash is hard to come by).

But from what I have read even a very modest investment outside of the 401k fund will over enough time grow to a very nice additional nest egg.

I agree up to a point. To me, if I can maintain the same discipline outside the 401k as I can within it and if it's clear through analysis that on a tax-equivalent basis an investment outside of the plan will grow me more money that the 401k will, then it is senseless IMHO to continue funding the 401k beyond the maximum matching level.


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