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@julienmarin I'm not sure. We were able to open account online without needing any manual steps.

@julienmarin I prefer a Roth 401(k) over a traditional in these cases where I'd need the money early - the penalty on early withdrawals is only on the earnings part for Roth 401(k), whereas for traditional 401(k) it's 10% on the entire amount. See if your employer offers a Roth 401k. Of course...