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I agree with all that you posted. I was just pointing out the idea of looking forward to when you retire and are withdrawing. If you can do the full 39K into the 401K and an additional 6K into a Roth then that is the best of both worlds.

I didn't disagree with your post. I just wanted to remind the OP that there is a potential pot of money that could be used to fund a Roth IRA since your out-of-pocket costs of using the deductible is $9750 lower. That needs to be considered in any now versus future savings. Often people may be better with the Roth 401k because they will not invest that $9750 in tax savings and instead spend it on current stuff.

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