what's pisses me off about these calculators is they completely ignore deduction limits[-1] and considering the audience here, there's plenty of people who do n

what's pisses me off about these calculators is they completely ignore deduction limits[-1] and considering the audience here, there's plenty of people who do not benefit at all from contributing to an ira, or even a 401(k) if you plan on retiring earlier than 65 in fact, it's detrimental, compared to the fund flexibility of a standard brokerage i wish people would talk about this more; perhaps there's something i'm missing, but after a certain income threshold, iras and 401(k)s seem like foolish investment decisions [-1] https://www.irs.gov/retirement-plans/plan-participant-employee/2018-ira-contribution-and-deduction-limits-effect-of-modified-agi-on-deductible-contributions-if-you-are-covered-by-a-retirement-plan-at-work https://www.irs.gov/retirement-plans/plan-participant-employ...