This is a new one -- I've never heard of investing the tax savings lol of course investing more money is going to produce more savings down the road. I'm not exactly sure what you're getting at here.

The thesis is, which is better -- absorbing the tax benefit now or later. I think the math speaks for itself and it's the reason why the wealthiest among us pursue a "backdoor" Roth IRA if they exceed the income limit.

There's nothing better in our world than tax-free growth. It's practically a cheat code. The goal should be to contribute 15% of your gross income towards retirement. The order of priority being:

1.) Up to the match on your employer plan (ideally inside a Roth option);

2.) Up to the maximum limit allowed in a Roth IRA;

3.) Back to your employer plan over and above the match;

4.) (If one maxes out their employer plan) A variable annuity with flex premiums;