Two thoughts about things: 1) Higher taxes when we're in retirement. I think, Republicans aside, taxes in the US are headed up in the long term. I hope it won't hit income tax too much, and will be centered in a VAT, but it seems neither side of the aisle dislike the VAT and the likely result will be higher income taxes over the next 20-40 years. 2) Future changes to tax law removing/mitigating current tax advantages. First one I could see is the Roth getting made taxable. There is going to be a need to raise ever more tax revenues and hitting retirement funds might be too tempting for D.C. not to impinge on.