<prompt> Human: I know 401ks are great because of the power of compound interest, and because of the average annual stock market return of 7, but I thought of something else today and I want to run it by you all to see if i have this right:Because contributions are pretax, for every dollar I contribute I save, lets say, 28 cents on federal income tax, 8 cents on federal payroll, and say 5 on state. So, total, 41 cents.That means that so long as my 401k doesnt decline in value by 41, Im still coming out ahead, right? Ignoring time value of money and all that.Meaning even if I knew for sure that the market would decline by, say, 20 in 2018, Id be better off maxing out my 401k the whole year than waiting till 2019, assuming those are the only two options.Do I have that figured correctly?  <response>: 401k contributions are not exempt from fica tax 