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It depends. For me, yes.
1. Have paid no taxes on gains as I am withdrawing.
2. State offered a tax deduction for 2.5K in deposits.
3. State offered $500 a year for putting into said account.
My timing ended up being good as well.
I’d been contributing for about 4 years (opened when I left undergrad). But I started more aggressively contributing March 2020 when I decided I wanted to leave teaching. Realistically the gains have ended being a few months worth of rent.
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