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Reply to "401s are they just a big scam? Is it a new reitrement thing that hasn't stood the test of time?"
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[quote=Anonymous]It's not the 401K's fault that the market has sucked in the last decade. Blame all sorts of factors for that. I think anything that encourages people to save (employer matching! pre-tax withdrawal!) is a good thing. Plus if you think your income will be lower after retirement (which will be the case for most people), paying taxes on the income later, when you're in a lower tax bracket, is likely a good thing. (unless tax rates drastically rise.) I have a 401K, a roth IRA, some other retirement funds, a pension (if I stay at my current job) and a mortgage that I plan to pay off by age 70 or sooner. [/quote]
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