不过,十年以后退休的话,我估计你年龄还不到59。5岁,得交10%penality. 从税收角度看,你退休后,要是炒股收入不是特别高,至少每年都得拿出来点,省点税吧?
是不是该考虑Roth 401K和VUL了?
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