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並前往https://money.cnn.com/2018/05/10/pf/401k-vs-roth-retirement-accounts/index.html

Why you might want both a traditional 401(k) and a Roth

The contributions to a Roth 401(k) are already taxed, so the money withdrawn is tax free, as long as you've had the Roth account for at least ...

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