[PhiKapMom]

Too many companies dont’ give you a choice — tey give you 401K donations for your retirement that the Feds take a huge bite of at retirement.

[nufsed]

You can invest in a program which grows tax-free. Has no contribution limits. No age restrictions. Has a death benefit. Can take money out without tax penalty (be my own bank and avoid non-preferred debt). Never loses principle. Pay it back or not. Can set up the same program for my children and grandchildren.

Why would I ever do a 401k, IRA, rothIRA or whatever?

Why reply on the government, politics, or my employer?

[nufsed]

Guideline. Take the match (the match will pay the taxes) and put the rest in IUL. my #16.