Sorry for not being clear. I am referring to the period when he is earning money at a job, not the retirement earnings. Compound how much more you would have i

Sorry for not being clear. I am referring to the period when he is earning money at a job, not the retirement earnings. Compound how much more you would have if the income taxes could be deferred or avoided. For someone working and raising kids etc. it is like "eating your seed corn" as the saying goes.