Effective tomorrow, I am putting 16% of my pay into my 401K. Our company does not match anything, but I figure that, one way or another, I have to save this money. Why not do it through the 401K where it is easy? I have a Roth IRA, but that isn’t pre-tax… I think I will use the Roth for other long-term savings, like money we save after we fill our emergency fund. We’ll see.
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