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Greetings, Scottyscottscott, and welcome. You asked:

Are 401k's or IRA safe from bankruptcy, divorce, lawsuits, etc?>>

A 401k is generally safe from creditors, but it is fair game in a divorce proceeding. As for IRAs, that's a matter of state law. In some, creditors can seize those assets, and in all they are subject to claim during a divorce.

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