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Grace: I think the one question i have with the putting five to ten % in the four o three b. Should he just open a roth instead? Or is there a rea he could do that he couldDo that? Grace: It depends. If it happens more seamlessly by using the four o 3 b, then do it. And if you and your spouse are working more than two full time jobs, then you've trumped diane and her story - but we doubt it.