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In response to "Thanks for the caps. Don't think of it so much as your retirement money, not to be touched. Think of it as your money. Period. -- nm" by Loyola

If that's you're thinking, you're putting your money in the wrong place. You should be buying regular investments, not 401k. A 401k is configured to

lower your tax liability *at retirement* and is set up to penalize early withdrawals because of that advantage. If you choose not to take the retirement tax benefit, you should consider regular investment purchases which are flexible for liquidating at any time but carry different tax implications

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