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"[Y]ounger participants are leading the way. Ten percent of those under age 30 are making Roth contributions compared with 6% of participants overall. Usage is especially high among participants under age 30 earning $60K-$100K, averaging a 15% usage rate. Longer time horizon and the likelihood of landing in a higher tax bracket upon retirement means those in the earlier stages of their careers are particularly well positioned to take advantage of Roth and its related tax benefits."
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