Originally Posted by bugman61

At the end of the day, the goal is to have the most money possible saved. You do this by maximizing growth rate and minimizing tax exposure. Sometimes that means deferring taxes, sometimes that means paying them. You are suggesting deferring is always better, and that’s as wrong as those on here who say that Roth is always better. Everyone’s individual situation, risk tolerance, and financial goals are different. Right now we have a setup that allows us to taylor our savings plan how we want. More options are better, eliminating options would be a step backwards. You are alone on an island here saying that the mbcbp should still be implemented if mandatory, and your refusal to see the validity of other strategies, or even acknowledge that what you want might not be best for everyone is absurd.