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I think the majority of people I know do not max out their 401k. I don't understand their thinking at all. They make good money and could easily afford to make the 15k contribution but they don't and make the excuse that they can make more money else where. The funny thing is that none of these guys are investing that little bit of extra cash they get in their paychecks. They spend it on toys. I can't fault them to much as I have a toy habbit myself, but only after 401k and regular savings and investments. You gotta pay your future self before you can have fun.
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