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Tim, you said:
"But even if I knew this were the right path, I dont think there is any way I can do it! The people in
Benefits say the only way they will make these contributions is through Fidelity. I suppose I *could*
just put away 15% myself where I want and tell them not to deduct anything. So I'd have to do all
the accounting. Yuck. But then I'd lose the 6% contribution which would be bad I'd think. "

After you have put enough in the 401k to get the 6% match, you probably want to put $2000 in a deductible or Roth IRA so you can control it the way you described.

However, DO NOT reduce your 401k in favor of putting the money into a taxable account instead. The tax cost to you will be so much higher in that case. The only exception would be if you had substantial excess fees in the 401k, on the order of 1% MORE than what you would otherwise pay in a normal taxable account.


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