Your money that you draw out of your 401K will be taxed, wouldn't you like it at the lower 9% rate? It wasn't taxed when you put it in the 401k, because they are going to tax it when you withdraw it. 401k's are not tax-free, they are only tax deferred. All of the retirement accounts will have taxes collected upon withdrawal.
>> “wouldn’t you like it at the lower 9% rate?” <<
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I think you mean at the 9% +9% +9% rate?
The minimum would be 18% if the third 9% tax was not on income or consumption.
Under current federal income tax rules we would be paying about 5.5% on the funds withdrawn from our 401k's (we aren't "rich"), how is 9% PLUS a new federal 9% sales tax better?!?