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Isn't $3m in a taxable account better than $3m in a 401k?
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Let's say you had some big windfall and paid a million dollars in taxes and netted $3m in a taxable account. Isn't that very very different than $3m in a pre-tax 401k, especially if you're not close to retirement age, since withdrawals will be taxed like income?
I guess I rarely see people differentiate. Those two scenarios are very different for someone far from an official retirement age, no?
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