Originally Posted by notEnuf

I'll buy the equal footing argument, but the truth is your next few years of tax advantages will lock away my money for a much longer period of time at a rate of return that is far inferior to any investment I can make with it. With a spouse, age 50, HSA and a backdoor roth, anyone over 50 can put away $84,600 into tax sheltered accounts this year. That's every year of your last 15 if you work until 65 and it has increased each year. I'm not willing to accept optional as TBD.