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I answered your post in tax strategies with a qualified "not sure", but your question posed here made more sense. When you get an empolyer match by all means do what you can to take advantage of it. Since the contribution is tax-deferred, you will reduce your tax liability. However, be aware that that tax liability will already be factored in your pay. So be careful about having too much withheld and incurring a penalty from the IRS for underpaying your taxes.

If you can't afford to max out, then do what you can. Every time you get a raise, bump it up a couple of points. Pretty soon you will max out.

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