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<<I would contribute to the 401K what ever is necessary to
get the company contributions. Then I would use a self
directed IRA for additional investments.>>

Is it this simple? For example, if I wanted to retire
next year, I would want to maximize my 401k contribution
to reduce taxes this year, esp. if my contribution+company's
exceeds the 9500 limit, since I'll get the extra contrib.
(which is taxable) next year when my rates will be lower.

Or am I misunderstanding 401k?


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