Taxes will play an important role in your retirement. Nobody knows for sure how much. What we do know is:
1) National debt is at an all time high.
2) The Social Security system is going broke.
3) Tax rates are now at a historically low rate.
This means that somebody is going to have to pay these bills in the future. Usually it is the middle class that pays. The most common solution is to raise taxes.
Raising taxes changes all the math. If that happens, the current wisdom of putting money into a 401k, IRA or any other type of Qualified Plan could backfire and become a better deal for the government than for you.
You do remember that you were only delaying the tax payments on your 401Ks & IRAs, don't you?
Compare financial ideas to reduce your overall tax burden, now and down the road.