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[quote=Anonymous]No to 401k, because it is taxed as income once you start taking it. It can also cause you social security to be taxed. 
The deduction and the small match do not make up for the money you will lose using 401k.
We do not know the future tax rates, but government will be waiting for your RMD from 401k. 
That account has rules, fees, RMD, higher tax rate, lousy investment choices, and bad customer service usually.
People see what they get with 401k, but they don't see what they give up.
You are to learn about investing, personal finance, and taxes that pertain to you.
401k does not allow you to invest freely and learn like Roth and your own investment account do.
Your 401k will be half the amount of your Roth even when you put the same amount of money in and employer even matches 3-5%.
As you are filing HH for long time to come as you child is a minor. Your long term capital gains taxes will be $0 up to $63k for 2025. Up to $48k (2025 rate, goes up with cola) tax free if you file single in retirement.
State taxes it a little, but nothing like 401k.
Absolutely no to 529.
Again:
$8k into Roth with Fidelity and buy VOO/VTI. The rest of the money goes into regular investment account and again, buy VOO/VTI while you are learning about finances.
Had you put $1500 into VOO the last 15 years, you would have $850k right now. The VOO inside of the Roth would be completely tax free.
The VOO in investment account can be mostly tax free mostly in retirement just like I explained. People don't know that or don't want to know that.
There is zero chance money in 401k will be tax free.
Learning about all this and handing this knowledge down to your daughter is the best investment.
My kid got 30 credits transferred to college. Very nice surprise. 3 years to go paying in-state tuition. Not bad at all as he will be working.

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