> "no... because I have debts with a higher interest rate than I'd get on the return..." Sorry to tell you now but this is the wrong way of looking at it. The

> "no... because I have debts with a higher interest rate than I'd get on the return..." Sorry to tell you now but this is the wrong way of looking at it. The 401k will save you from paying tax the next 50 years. The first few years you might be a little behind but its worth it because later you'll have your contributions throttled. (assuming you can pay that much in)