Just a coda:One point the cited piece makes is that if one has to choose between maxing out a 401k and putting money into a Roth, it may be better to go for the Roth, forgoing the current tax deduction on income for saving on future taxes on earnings. This is a legitimate possibility and needs to be calculated for individual circumstances, similar to deciding whether or not to convert a traditional IRA to a Roth (pay taxes now or later).It's the argument that you pay more taxes with a 401K than with the same low turnover stock investment (e.g., an index fund) in a taxable account that I find totally misleading—it's theoretically true, just not a good investment plan in the real world.
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