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I've heard a lot of "wisdom" saying to put as much as you can afford into your 401K, and for a lot of people that seems to make sense. Currently I am putting in the max, but for my situation I'm having trouble justifying it, and here is why. I am currently 23 and have about $35K in my 401K. My company matches 100% of the 1st 3%, and 50% of the next three, for a total of 4.5%. If I just put in the 6% (and the company match), in 40 years when I can touch it (assuming 3% inflation), it will have grown to over $3 million assuming an 11% rate of return. I am certainly planning on retiring long before 60, so wouldn't it make sense for me to just put in the 6 percent and invest the rest in a form which I can get before age 60?

I have only recently taken an active interest in managing my money, and have since come to believe that going against conventional wisdom is often a good thing, but I wanted to get a sanity check before switching anything over. Thanks in advance for any responses.
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