The numbers don’t lie. We are $29 trillion in debt. Our biggest expenditures will be entitlements and paying the interest on that debt. It stands to reason, that eventually, we will have to increase tax rates to pay that.

So I think that people will understand that, and decide that deferring salary in a 401(k) plan on an after-tax basis may make more sense. If a participant is more than 5 years from retirement, I expect Roth will become more of. a topic for discussion.