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> (Standard disclaimer: max out your 401(k)/IRA contributions, first.)

Minor quibble. Your 401k plan almost always has more fees than index funds at someplace like Vanguard.

1. Contribute to your 401k to get your entire company match.

2. Then max out an IRA, a Roth IRA, or a combination of the two based on your income level.

3. Only then continue to max out your 401k.


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