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3 Reasons Not to Max Out Your 401(k) or IRA

3 Reasons Not to Max Out Your 401(k) or IRA

If you're aiming to supercharge your retirement savings, maxing out your 401(k) or IRA may sound like a smart move. As of 2020, you can contribute up to $19,500 per year to your 401(k) and $6,000 per year to a traditional or Roth IRA, and that money can go a long way toward saving for retirement. Here are three reasons you may not actually want to max out your retirement accounts.