There should be higher limits, but one reason there are limits is so that really wealthy people can't shield all their money from future taxes; we need to let p

There should be higher limits, but one reason there are limits is so that really wealthy people can't shield all their money from future taxes; we need to let people of more modest means get more gain though. Maybe you could have taxes on the pretax 401k but higher contribution limits (where withdrawals will owe taxes on the gain when you withdraw it), but some limits on roth 401ks, which are post-tax dollars with no tax at withdrawal. That's kind of a mess of a description. Try 2 - double 401k limits, but still keep some limits so we get needed taxes at withdrawal.