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I am fresh out of school and starting my first job. I am looking over all of the information related to the 401k program and feeling a little overwhelmed. I feel confident in selecting the Index fund that is available , however I am not sure if I should make my contributions pre-tax or after tax. It seems that I will have to pay tax down the road on both the capital gains and my employers contribution. A few people have told me to make my contribution after tax, but all the literature suggests to make contributions pre-tax. Any advice would be appreciated.
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