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That s hard to say FMM not knowing your entire e you doing any investing outside of your 401k If no, then I would say a Roth could be a good option as.
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Be aware that Schwab Individual 401k does not have loans available, you would need to get them elsewhereor get., so if you find yourself in emergency need of funds Investing200 000 is actually an importants the dividing line between small investors , large ones , like all investment amounts, how to invest
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