Quote:
Originally Posted by parkplace33
So I think the retirement question was a yes is because technically, you own that money and are not in debt to something.
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Exactly! If you're working and using money you earned to buy cards, that is using after-tax money as well. Money you put into your 401K just hasn't been taxed yet, so what really is the difference, other than the timing of when you pay the tax on that money that you earned and is yours?