Wise Bread | Personal Finance and Frugal Living Forums

Thanks, Nora. Yes, that's my main point: you need to balance all these things.

A corporate match on your 401(k) contributions is often so large as to just swamp the other issues. But once you're getting the full corporate match, there are a lot of issues, large and small, that you need to balance, when deciding how much to tax shelter versus how much to invest without sheltering. I tried to cover the key ones in my piece. Several others have been mentioned in the comments above. (Thanks guys!)

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