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In response to "Hijack. Say I give 4% more than my employer match percentage to my 401K. Should I put that 4% in a Roth IRA instead? -- nm" by ty97

It really depends - same thing as I said above about fees and investments

but also - and this is the hard part - you need to try to get a feel for what your tax situation will be at retirement. It really is the determining factor for deciding to go Roth vs Traditional

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