Originally Posted by TED74

Instant tax savings of 40% without me lifting a finger sounds pretty good to me, even if the returns on that money are only 5% with extraordinarily low risk. Perhaps no where else in my portfolio will I need to hold bonds and my overall risk matrix post-MBCBP looks just like it did before MBCBP. But I will have added 10-50k more tax deferral than I had before the program was established.

DALPA was tasked with improving retirement and this seems like a win to me. It’s stated to have optional participation. If it turns out not to be optional, it won’t be implemented. If these things are good enough for high-earner private practice docs/lawyers/entrepreneurs, they’re good enough for me. Y’all want to pay the tax man first and then go crawl that money back through side gigs, property management, tenant evictions, complicated audit-attracting tax returns and hvac repair calls at 3am, it sounds like those options will all be available instead of using the MBCBP.