 And you're telling me that when you retire, you're going to be making less? You're going to take out less money than you make as a kid? Are you insane? It is assuming that you're going to be broke when you take the money out. Now, that's a dumb assumption because most people, by the time they retire, are in the highest earned income bracket of their life. And so when you start taking it out that way, it's going to be paying higher taxes. Secondly, even if you take it out a little bit at a time, that means you have to live in poverty.