Young people in particular should be focusing on the tax reform efforts in Congress, since THEY will be the ones paying the price in years to come.  Rumor has it that Republicans are eyeing a reduction in the maximum 401k contributions from 18k per year to as low as 2.4k per year in order to "fund" the tax cuts in the short term.   Their logic is people will contribute to Roth IRAs instead, but I have my doubts earnings from Roth IRAs will be safe from taxation in the decades to come....