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Reply to "Should i invest in 401(k) or Roth?"
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[quote=Anonymous]a couple of thoughts: 401k is good for lowering your AGI/taxable income. At $130k, esp if you don't own a home, you probably need this more. 401k usually is limited ot the funds your employer offers, so you may have less flexibility with what to choose and they may have higher fees, etc. with a roth you can choose any fund. For a ROTH, you can borrow for it to pay for college expenses, penalty free. Can't do that with a 401k. Do you own a home? What other savings do you have? How's your emergency fund? All these would be important to know.[/quote]
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