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You seem to think laws will always be that way, no matter desperate lawmakers become.

Tax laws will always change. 401Ks for the average employee were an accident, they weren't planned.

Panic withdrawls from 401Ks and IRAs are not an answer.

Neither is making 401Ks and IRAs your only investments an answer.

I predict that limits will be placed on Roth IRAs. Either through limiting rollovers or eliminating tax free income over a specified balance.

Along with the temptation to spend rollover amounts when changing jobs, the depression has forced many to use their retirement accounts for living expenses. 401Ks/IRAs haven't worked for many. Many companies have started auto-enrollment for 401Ks. Forcing employees to opt out rather than opt-in increases participation.
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