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Do backdoor Roth IRA. Dont know what you mean only 5.8% return on 401k.
Not sure how you think it is clear cut based on no information but OK.
You can open a self directed brokerage acct within the 401k; BAH allows 50% of your balance to live in the brokerage acct (which is at Schwab vs Voya). Find details on FAQ on the Voya page. And for the amount stuck at Voya, I just put it in the Russell growth index.
I wonder what ChatGPT would say to some of the scenarios I read in this bowl. I imagine its good-- Especially for tax questions
I max out my 401k and then max out my trad IRA.