California, TC 185, YoE 6, 80k savings/investments, 70k Retirement accounts.
Currently I only contribute the minimum in my 401k to get the employer match (5k/yr). Is it worth it for the reduction is tax liability to contribute the whole 19k? I know it’s small amounts but personally I’d rather save the extra 14k towards a house down payment, or even just a trading account in fidelity
Thanks,
#personalfinance
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Also if you’re worried about locking, there are ways around that (google Roth ladder) or you can always withdraw or loan from it in an emergency, just at a penalty.