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Reply to "What is your non-retirement savings and HHI?"
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[quote=Anonymous]You probably should go through some projections first on whether you need the amount you are saving in your 401Ks for retirement. If so, then you can save additional elsewhere, but you shouldn't reduce your 401Ks. (If you are behind, switching a max 401K contribution from traditional to ROTH does increase the amount you are saving because it's post tax contributions, but a decision like that should consider your expected tax rate in retirement) If you have additional money to contribute after what you need to save for retirement, a backdoor ROTH IRA is a good choice since the contributions can be withdrawn without penalty if you do need access to it before retirement. [/quote]
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