6 - 15 is quite a margin for error. I have 1 - 9 kids. True statement. Why are you flying for Delta? We are talking about the PWA not your hobby. Our retirement funds provided by Delta which are intended to be tax free (or prepaid with growth not taxed) are losing earnings potential due to taxation. I want another vehicle to shelter those funds because the current one has become inadequate. If you are the next Elon Musk or Steven Wynn great, but those of us (the majority by far) that aren't want more efficiency in building our nest egg. Take all of your earnings and invest in anything you like but the retirement funds from the PWA are for retirement investing within the retirement plan(s) provided by the PWA. We have no argument for additional DC contributions without a place to put it. If you don't want to be a typical pilot, fine. Those of us that are want efficient and reliable savings growth that aren't taxed until we choose. Perhaps you need to write a letter to your representatives to start polling on a venture capital allocation as part of our PWA. I can see it now section 275.203 of the PWA. Just set up a self directed IRA and let us have our 30% savings and additional capital growth. Are you overfunding just to get the roth benefit? If so how much of your income are you trying to roth?