Alan,My wife and I are both contributing to our 401k at 6%, which is all our employer will match. Also, our AGI is right at the Roth limit, so that isn't an option for us. Do you think it is better to contribute more to our 401k, even though we wont get any more employer matching dollars, or start into a VUL policy? What I'm hearing is to TOTALLY max out the 401ks since they are pre-tax contributions and tax deferred accumulation (even though they are taxable on distribution) before going to an after-tax contribution vehicle. Do you agree?Dave
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