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Need some help if anyone finds the time and spirit. I am beginning to get more serious about my retirement planning. I've taken a new position and the company matches the first 4% of my 401K contributions. The company also has an employee stock purchase plan (ESPP). Basically, I can purchase stock (up to 15% of my gross salary) at a discount of 85% of the value of the company stock price at the lower price of two dates, either the first day or last day of the each month.

My contributions:
I contribute 15% of my gross income to my 401K.
I contribute 5% of my gross income to the ESPP.
I contribute approximately $360 every month to my Roth IRA.

For general purposes, is my retiremnt strategy making sense? Is it prudent to put more away in the Employee Stock Purchase Plan and less in my 401K/IRA? Some tax implications come into play here which is complicating my thought process. Anyone else have this issue? Any help is appreciated.


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