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Some money management truths are self-evident: Always set aside enough cash for emergencies. Diversify your portfolio. And maximize your contributions to tax-advantaged accounts such as a 401(k) or IRA.
That last one is open to debate. Even if you like the idea of cutting this year’s tax bill by funding your 401(k), you will eventually owe the federal government some money — and probably more than you expect.
“There’s…
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