Should High Earners Stop Maxing Out Their 401(k)?

A discussion of why some high earners are reducing 401(k) contributions while continuing to save through other accounts. It examines how access to funds, early-retirement goals, longevity, and tax assumptions can shape that choice.

- Contribution choices: keeping enough in a 401(k) to receive the full employer match while directing other savings elsewhere
- Alternatives and trade-offs: Roth IRAs, brokerage accounts, and health savings accounts, including access and early-withdrawal considerations
- Retirement planning: longevity, the traditional assumption of a lower tax bracket in retirement, and the tax treatment of savings

For savers weighing early retirement or greater investment flexibility, this discussion offers factors to consider before changing contributions. Compare account rules, employer-match terms, access needs, and tax implications in light of your own retirement plan.