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Which is a better option: the 401k or the Roth IRA?
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The answer to this depends on your individual financial situation. A 401k can offer tax-deferred growth and higher contribution limits than a Roth IRA, so it may be a better option if you expect to have more income in the future or are looking for ways to reduce your taxable income now. However, a Roth IRA offers more flexibility with withdrawals in retirement and potentially lower taxes since withdrawals are not subject to federal income taxes. Ultimately, the choice comes down to what's best for your particular situation.