[Badger]

I think people here are missing the fact that a Roth 401k is different from a 401k.

Are the matching rules the same for both in your company? Mine doesn't offer a Roth 401k yet.

So investing in a Roth IRA is a good idea. But that will only leave you with 4k x # of years worked to withdraw without penalty. (Limits will go up, but this is assuming they are roughly in line with inflation)

Also consider the fact that you might not be working as an Actuary until you're 60, but it's likely that you will still be working in some facility. At least you should find some passive income that will let your tax advantaged investments mature.

Also, I have no idea what the rules are like for a Roth 401k. They're not very popular yet, so yes, I think calling and asking an advisor about it is a good idea.