<prompt> Human: Hi rpf,I know that contribution to a 401k at an early age 22 for me will help tremendously as there will be the advantage of time, but I cant help but wonder that for people in lower tax brackets, it would disadvantageous to contribute.For instance, Im set to make 95k this next year 85k with 1.5x OT but as I started in July, by December I should be close to 40-45k only for this tax year. Im maxing my HSA and Roth IRA, as I never will have to pay taxes on those, whereas I feel that I should not contribute to my 401k this year and just take the money thats taxed at a lower bracket, and just wait until 2015, when I will contribute 17.5k.Does this make sense? Also, my employer does not contribute and the funds expense ratios are disgustingly high. See previous post:I actually did confront the boss about fixing the 401k. Turned out he was unaware how egregiously high they were. There is a kind of golfing buddy type of relationship between him and the 401k person, so he didnt want to fire him for Employee Fiduciary, but he was willing to see if they could just pay him a flat fee for service as opposed to taking a huge chunk from our 401ks. Last I hear the fees might end up at a net of 0.6, but thats still only mediocre and average. Hopefully the index funds have lower fees.Oh, and so far, I have my EF set. About 15k set aside. My expenses are low anyway, so that might be plenty.Assistant: First, the 401k limit is increasing to 18k in 2015. That said, contributing 18k to the 401k in 2015 is admirable, but what is even better is contributing 18k to the 401k in 2015 and making additional contributions in 2014.Human: Well the way Im thinking is as follows:Suppose all else was taken care of, but you only make 18k a year. no expenses EF set.Would you say you should dump that 18k in a 401k, or just take the 18k as taxable income, have a good chunk of it be free via the standard deduction and for the rest pay 10 for the first 9k or so then 15 for the remaining 3k or so, rather than dump it in a 401k then have the pay taxes at a higher bracket when you hit 65?  <response>: You dont make 18k, so dont think like that. 