5 Let me explain Why, ways to save $2,220 a year. It’s a very specific number. For some reason a long dormant post of mine about the Myth of 401(k) Tax Breaks got revived and along with it, some very strong arguments for why I’m wrong. The premise of the post is that if you forego the tax break you get from your traditional 401(k) and instead opt for a Roth 401(k) or plain after-tax investment account, you’ll actually end up paying less taxes (assuming you get lousy or no matching and you live and stay in the 12% tax bracket, […]