Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Should you always max out contributions to your 401k?
As long as you're in a lower tax bracket - you would probably be better off paying the taxes now, and investing into the Roth IRA/401K. However, you should be investing for your retirement now, and not later, because of the compounding effect, and also you'll gain the employer matching (if available).