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No. of Recommendations: 3
I am aware of the tax shelter they provide . HOWEVER, I have chosen to opt out and invest into the portfolios that I have created which give me more room to invest as I please in the companies I want with no withdrawal penalties.My goal for these accounts is LONG TERM

Put some long-term money in 401K.
Use the cheapest broad-based inded funds or ETFs that your/wife's 401K's offer.
Believe me, nobody here including you knows how to pick individual stocks for the long term.
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