[quote=flu]
Also, I’m not so sure tax rates for a deferred investment are going to be a good thing…As I said before, I think some people’s folks tax bill is going to end up being bigger by deferring the pain until they are in their 60ies[/quote]

I think this is why it’s a good idea to consider the 401K Roth (or something like that). Pay the taxes up front and not worry about the higher tax rates down the road.