agreed with Glunn. It’s pretty safe to say, depending on investment horizon, you’ll pay higher income taxes closer to retirement than you pay right now, so might as well bite the bullet. If your employer offers a Roth 401k, you could make your contributions monthly after taxes on your paycheck. My employer includes the Roth on match funds too, so you could replace your pre tax 401k with the after tax variety, to an extent. Unfortunately the Roth contribution limits are lower than pretax.