I know people who are more pissed off that the government is forcing them to make mandatory distributions after a certain again, and doubly pissed off that they are facing a huge taxation “penalty” for needing to take out a distribution beyond a certain level…

Actually, one my my family friends planned it very well. Instead of max out on a 401k, what they did was just contributed enough to get the company match. They took the rest of the money post-tax AND saved it in post tax accounts…Then took out a huge cash out loan on their primary home, and used the proceeds to buy rental property..Kept refinancing and refinancing and refinancing.Rationale? The huge mortgage payment was a nice itemized deduction, such that they were already hitting the upper limits on deductions that additional incentives from 401k was not needed….

Now in their golden years, they don’t have the “401k oversaving hangover”, and their rental property has all been paid off, and during their wage years, they had a reasonable tax rate due to the mortgage deduction. Folks were a genius..