[KarlInOhio]

Does it make sense to put money in a 401k or IRA anymore?

Withdrawls are taxed at the marginal tax rate while if you invest outside of the accounts the earnings from capital gains and dividends are taxed at a lower rate. Also, tax rates will likely go up in the future to pay for social security, medicare and the new drug benefits. Investments which are not tax deferred will be immune to those tax increases, while tax deferred investments will take the full brunt of them.

[Wolfie]

I've come to think of 401Ks and IRAs as the government's way of tricking us into putting some cash aside, so they can come along and take it from us when the wheels finally come off.