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Do you want to retire earlier so you can ride that bike more often? I would put as much in your 401K as you legally can, and put the rest into a savings account. Let that money make more money for you! The more money you have, the more money you make. Compounding interest really is magical, but you want it working for you. Compounding interest working against you is very very difficult to get out of. Pay off your debts and save the rest!
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