>> So, if my husband and I have been diligently saving and contributing to 401Ks for our retirement, we are going to be punished by fewer benefits??
Sends a message, doesn’t it?
It’s an evil government that incentivizes reckless behavior while punishing those who act with wisdom and foresight.
The key is to save in a way that is below the radar. Unfortunately, that is stuff like money in mattresses.