http://ybpguide.disqus.com/To empower African-Americans, and all people of color, with the knowledge and inspiration to foster progression and productivity in the community.enThu, 08 Jan 2009 11:12:16 -0000http://ybpguide.com/2007/10/11/the-terrible-truth-about-the-401k-part-ii/#comment-4988228Why not just evenly distribute among the two? Put an adequate amount in your 401(k) so you get the matching contribution but contribute an amount to your Roth IRA so that over time you have that tax free amount availible at retirement.BlackbirdThu, 08 Jan 2009 11:12:16 -0000http://ybpguide.com/2007/10/11/the-terrible-truth-about-the-401k-part-ii/#comment-2415239I'm not sure I'm interested in letting go of the free money my company matches if I contribute.freedoughFri, 12 Oct 2007 17:56:31 -0000http://ybpguide.com/2007/10/11/the-terrible-truth-about-the-401k-part-ii/#comment-2415238woohoo!<br><br>roth 401k's! i gotta get me one of these!<br><br><a href="http://money.cnn.com/2007/10/05/pf/retirement/cash_from_401k.moneymag/index.htm?section=money_pf" rel="nofollow">http://money.cnn.com/2007/10/05/pf/retirement/cash_from_401k.moneymag/index.htm?section=money_pf</a>FredricFri, 12 Oct 2007 16:22:11 -0000http://ybpguide.com/2007/10/11/the-terrible-truth-about-the-401k-part-ii/#comment-2415237Just a point of clarification. You DO have to worry about how much you take out of your I.R.A. The only tax-free, penalty dollars that you can take out are your own contribution dollars. In earnings in the account will be taxed and penalized if taken out early unless the withdrawel is exempted.UMOFri, 12 Oct 2007 14:35:20 -0000