re: Saving More for Retirement - Trad IRA vs Normal Brokerage Account

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How long do you have before you plan to retire? Are your 401k contributions traditional or Roth?

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Late 30's. So 25+ years easily until retirement.

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Also, I am on an expensive long term medication with a HDHP and haven’t had to pay a dime for it due to the manufacturer rebate. You might have already, but it’s worth looking into.

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I talked to my doctor (and her finance team) on what people do who have a HSA and are in my situation with this medicine. She reviewed my insurance plan and said she definitely recommends staying put with my current plan.

But to your point, I may also explore what sorts of manufacturer rebates there are and what would truly be an OOP cost to me minus any insurance plan. I have not done that yet... might be good to look into just in case.