Uh, what? Your growth in 401ks isn't taxed at all. Disbursements 40 years later are. This is an INSANELY good deal if you rebalance your funds at all (and you should). It allows principle to compound tax free. If you want to invest outside a 401k...go ahead.https://twitter.com/ChroniclesNate/status/1151293948268294145 …
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Replying to @MorlockP
GP As you note, sure it's taxed as ordinary income. Decades later in retirement when your income is nearly guaranteed to be significantly lower than it is during your working years. You're taxed a bit more on more money. That said, I have funds in both traditional and Roth 401ks.
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Replying to @Gormogons
Same, I don't trust the gov re Roths. I started retirement saving for the second time in 2018...after being wiped out by a bankruptcy after the crash of 2008. Maxed out SEP-IRA, and then a ton more in a brokerage account.
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Replying to @MorlockP
GP Smart. Saving tax free or tax advantaged is the way to go.
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Wish I could put it all into SEP IRA, but there are limits 
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