Hi, @bonitacsmith2 , thank you for your question! But unfortunately, that is not a tax question, but a financial planning question. I can only state that from a tax perspective, withdrawals from a Roth are generally tax-free, since the contributions are not tax deductible. On the other hand, 401(k) contributions may be tax deductible, but are generally taxable upon withdrawal. Beyond that, I advise you to consult with a financial advisor. Sorry I couldn't be more help!
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