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  1. *rob*, what dave says. And whatever you do, save as much as you can now. You have age on your side and if you have discipline with this, you could be pretty comfortable when you get older. You are very disciplined with the way you save money on daily necessities. If you think about the 401K as important as rent, you will be in good shape.

  2. quote:
    Does that make sense?

    no. and it doesnt make sense to like 99% of people who participate in 401K’s. i feel like it’s SO scammy… why do you get penalized if you wanna take out YOUR MONEY early? what if you need it for an emergency? i read that they make it super super super super hard for you to take out YOUR MONEY and if you are able to eventually get it you lose like most if it thru penalties?

    *rob*

  3. rob, you can’t start withdrawing from your 401k until you are 59 1/2.

    At your age it should all be invested in stocks with a healthy portion (40%) in international, of which half of that should be emerging markets.

    Does that make sense?

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