401ks are also dumb. Just set the IRA cap higher. Why do I need a whole bureaucratic system to decide I'm worthy of 18k of tax shelter instead of 6k? Or get ri

401ks are also dumb. Just set the IRA cap higher. Why do I need a whole bureaucratic system to decide I'm worthy of 18k of tax shelter instead of 6k? Or get rid of tax shelters. Everyone I know who's broke is too broke to be buying stocks anyway. I can afford some tax.