> If you don't pay income tax, you get no benefit from a 401k. Aside from the fact that the money you manage to put into it will still be there (with very high

> If you don't pay income tax, you get no benefit from a 401k. Aside from the fact that the money you manage to put into it will still be there (with very high probability). But, you do know that employers are allowed to offer “Roth 401k” plans too, right?. If you pay little to no income tax now, they are fantastic.