Originally Posted by oldmako

There are probably some relatively minor tax implications, but I don't know enough to comment on them.

On the plus side, any pre-tax monies that you can stash away to be used later...seems to be a no-brainer to me since you'll lower your taxable income and add to your account. That is, of course, provided that you and your spouse don't meet an untimely demise and just wind up leaving that money to the gubmint.