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The good news, however, is that you'll lower your 2019 taxes even more by contributing a full $19,000 or $25,000, depending on your age. Because traditional 401(k)s are funded with pretax dollars, putting in an extra $500 will automatically reduce next year's IRS bill by whatever percentage constitutes your effective tax rate. For example, if your effective tax rate is 30%, that extra $500 ... ................
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