No. of Recommendations: 4
We've only ever contributed to 401Ks to the maximum that would be matched. It's turned out to be plenty for retirement. If we were qaulified for Roths, that would be our next move(and they could be used for collegeas a secondary purpose.) The change in the capital gains rates makes the 401K(which will be taxed as income) far less attractive to us.

I think "conventional wisdom" sometimes keeps people from really examining the best strategy for their own situation. Yours was a good question.

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