Re: Contributing to both the Roth IRA and 401(k)
Vested or not, your own personal contributions would still help in this scenario.
I'm thinking this whole deal isn't really common practice because if someone had $19K to put away per yer just for retirement, they likely might earn over $100K anyway, and not be eligible for the Roth. I'm guessing there aren't many folks who could do this even if they tried.
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