<prompt> Human: I am currently in the 25 tax bracket and contributing money would not move me at all to a lower bracket. Is there any point in doing a 401k? I already have a Roth IRA.  <response>: Just because it doesnt move you into a lower bracket, doesnt mean its not worthwhile. If youre not independently wealthy, youll want to max your tax advantaged accounts - 401k, RothTrad IRA and HSA to the extent youre able to do so without putting your budget out of whack ... of course this is after youve sorted an emergency fund. 