And there was Max Roach in person, welcoming me and the rest of the committee into his apartment on Central Park West.

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If our hypothetical person can afford to max out their Roth 401(k), they can also afford to take the tax savings from pre-tax contributions and invest them in an outside account.

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Doctors also assess lung performance using a measure called Vo2 max - the highest volume of oxygen a person can consume during exercise.

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