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					Originally Posted by Forest  I was thinking more along the lines of people who make more money in the biz where putting away 5k annual is really not doing you much. I have a 401k that allows me to contribute far more than the 5k a Roth allows and it is also tax differed. | 
	
 I max my 401K and max a Roth IRA as well.  If you need a quick $10k just go to you Roth IRA sell some stocks and there you go.  If someone only has a 401K they can only borrow money.