Well, if you're already maxing out your 401K, you're already ahead of a large portion of the country. A lot of people don't even realize that by simply increasing their exemptions, they can turn their annual tax return into tax free contributions to their 401K. And they'll never miss it, since their net paycheck won't change. Of course, the "downside" is they no longer get a check from the Feds every April, but looking at their 401K reports and seeing how much more they contributed (especially if the company matches) should make up for it.
