My two cents--- One shall not put too much money in 401K

The reason is the so call SSN benefit trap.

假如您每年需要从401K里拿出10万元, 那么您不仅要交这十万元的税; 您还会因为收入太高而需要补交原本不需要交的社会保险金的税。这两个税加在一起有可能比您现在的税率高很多。

file a joint return, and you and your spouse have a combined income* that is

between $32,000 and $44,000, you may have to pay income tax on up to 50 percent of your benefits

more than $44,000, up to 85 percent of your benefits may be taxable.