So lets say I get taxed on it twice. Once in 6 months and once in 38 years or so. If we are talking about taxing 2000 dollars now, that is $120.00. Take out 2000.00 dollars at the end and say the tax rate isn't 6% anymore. Let's say it's 10%. That is 200.00 (approx) that I would be taxed on it at the end. We are talking about 320.00.

Now let's look at the big picture. If I got hired by Netjets, or Shares for example, I would be able to max out my 401K each year, whereas I am not able to put anything into it right now. That would far exceed the 2000.00 we are looking at here. Wouldn't it?