My decision was pretty easy because I don’t have any employer matching or any similarly large incentives. I don’t think the tax incentives are big enough to make up for the inconvenience in the ~60% case where I want to use my savings before old age. However, maybe a mixed strategy would be more optimal.
My decision was pretty easy because I don’t have any employer matching or any similarly large incentives. I don’t think the tax incentives are big enough to make up for the inconvenience in the ~60% case where I want to use my savings before old age. However, maybe a mixed strategy would be more optimal.