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401k simulation

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Average yearly investment return0.05

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Tax rate0.20(assuming same taxes today and in X years time)

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Yearly pre-tax amount put into the 401(k) account6,000.00(assuming we put around $500 every month)

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Below is the money we can actually get from 401(k) amount after N years (no penalty for early withdrawal added)Below is the money we get on a typical investment account (no 401k)<----these numbers are ALWAYS the same :)

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After Nth year401(k)401(k) including withdrawal taxnon-401(k) investment

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16,0004,8004,800

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212,3009,8409,840

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318,91515,13215,132

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425,86120,68920,689

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533,15426,52326,523

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640,81132,64932,649

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748,85239,08239,082

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857,29545,83645,836

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966,15952,92852,928

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1075,46760,37460,374

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1185,24168,19368,193

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1295,50376,40276,402

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13106,27885,02285,022

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14117,59294,07394,073

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15129,471103,577103,577

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16141,945113,556113,556

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17155,042124,034124,034

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18168,794135,035135,035

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19183,234146,587146,587

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20198,396158,717158,717

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21214,316171,452171,452

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22231,031184,825184,825

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23248,583198,866198,866

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24267,012213,610213,610

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25286,363229,090229,090

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26306,681245,345245,345

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27328,015262,412262,412

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28350,415280,332280,332

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29373,936299,149299,149

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30398,633318,906318,906

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31424,565339,652339,652

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32451,793361,434361,434

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33480,383384,306384,306

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34510,402408,321408,321

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35541,922433,537433,537

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36575,018460,014460,014

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37609,769487,815487,815

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38646,257517,006517,006

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39684,570547,656547,656

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40724,799579,839579,839