回复：查到了。这两天要决定是否加入。

Put in as much money as you can into your deferred account, if you are also going to get a decent interest. The tax deferred compound interest will make it worthwhile.

It also prevents you from spending your money on stupid things like new cars and bigger houses, or your wife's new cloths and handbags etc., because you can always say: "Honey but we don't have the cash for these things".

Apparently it also reduces your EFC when it comes to college financial aid - I cannot confirm this as I have no personal experience.

Congratulations on qualifying - you have done well for yourself. My employer's qualifying threshold keeps creeping up. Currently it is $250K.