There are ways to convert 401K/IRA $$$ to a Roth account. Amount is limited each year and has to be done with a knowledge of your specific tax situation to know if it makes sense. Don't beat yourself up to bad, depending on your tax situation when you were in the accumulation phase would depend on which was best, 401K or Roth. And Roth has earnings limitations that may not even have allowed you to utilize that plan.
And telling our kids to use one vs the other doesn't work either. Our law makers have an insatiable need for tax revenue and if they need to change the rules to get it, they will. Just as they have already spent your Social Security $$$ and are eyeing our 401K $$$ as a way to get more money to satisfy their need to give money away to get votes to stay in power.
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Life is to short to drink cheap wine.
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