One standard deduction is what old gets you. LOL. So like 2K off your adjusted gross income. Not much of a difference. That is I don't pay taxes on 2K more that I would if I were younger. Big deal.

The thing they don't tell you when you're 20's is that deferred tax is another way of saying "I'll take more later, a higher rate". Time value of money thing. Wife is still working and will be for some years yet. Which puts me at the highest SS tax bracket. LOL

Dad's insurance on his home, and he's 95, is more than his PITI on then note when he bough it in the 50's by a factor of 3. My draw is more than I made per year the first third of my life. So....

Doing is again I would have done the match only and the difference in a ROTH or tax free muni's. 70 and still being schooled.