text:  And recently, they were given the option to move their contributions inside of that 401k from being tax deductible to being tax-free. And that means they no longer get a tax deduction, but it's going to grow tax-free. Just like a Roth IRA, it's just their Roth 401k. And they're contributing $23,000 as his base contribution, plus a $7,500 catch-up contribution, getting them a little over $30,000 a year in that tax-free bucket.