yah, 401(k)'s are financially engineered to seem to be for the masses, but they're really designed to advantage high-earners even more. i'd actually prefer to r

yah, 401(k)'s are financially engineered to seem to be for the masses, but they're really designed to advantage high-earners even more. i'd actually prefer to remove the tax advantage altogether (and plow that into an overall more progressive tax structure), but absent that, a credit phase-out would be better than what we have.