I never quite got my coworker's advice on maxing my 401k limits; but I think I get it now.
Max out now when u are young and steadily reduce til after u turn 50 because there's no more tax-free growth. (here's the rub; do you trust the gov't?)
Then again, you don't use all your retirement in the 1st year so even contributions at 60 grow while u don't use it.
Maybe!....
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