No, I wouldn't tell him not to do it. In fact, I'd encourage him to do it. But let's face it, it's not truly a pre-tax contribution. The money that he has to put in there will have been already taxed. Even if he does cut back on the witholding, Uncle Sam already got to it. Plus, often, IRAs AREN'T deductible -- a lot of people are over the limit for deductibility.If you want to do some tax planning, I'd push the 401k first. It's definitely pre-tax.
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