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This is directed at Phooley but I would greatly appreciate any other advice/corrections/comments.

In our last thread, I asked if post-tax funds in a 401k were similar to those in a Roth. From your answer I am assuming that this means that all earnings will be tax exempt when withdrawn as long as it is a qualified withdrawal. So if I periodically withdraw reasonably equal amounts according to my life span I will not be assessed any penalties. Am I understanding this?

The reason I ask is that I am 24 now and plan to retire around 45. However, I am able to contribute more than the $2k a year to my 401k so feasibly could greatly increase the pool of money earning tax free. Please let me know if I am on track here or out in left field.


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