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- alain@vidalfinancials.com
Traditional 401(k)s postpone your taxes — they don’t eliminate them. Before you keep contributing, make sure you understand what you’re really signing up for.
When you contribute to a 401(k), you’re not avoiding taxes — you’re postponing them until retirement, when your tax rate could be just as high, or higher, than it is today. Meanwhile, your money is exposed to market risk, contribution limits, and early-withdrawal penalties.
Your 401(k) balance can drop when the market does
You're betting future tax rates will be lower than today's
Annual caps restrict how much you can really save
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If you were a farmer, would you rather pay tax on your seed, or your harvest?
