Let's talk retirement for a moment. We need to be educating people better with regards to 401k's and Roth accounts. Many people currently are in a lower tax bracket than they will be later in life. If you are at a low tax bracket, a Roth account will be better for you. Conversely, if you are in a higher tax bracket, a 401k account is better. I feel that far too many people are currently better off going Roth but don't because we are short sighted with regards to tax savings.