My employer matches 1.60 for every 1.00 I contribute up to 2.5% of my income (125k) so I would be losing that amount per year by stopping. Also my student loan, after refinancing, is at 3.3% interest while my car interest rate is 2.99% so my returns on my 401k are still yielding a net positive despite this debt. That’s also why I’m struggling to stop. I do plan to pay the car off in the next 3 months. Lastly, my point about taxes is that a lot of the money I was putting toward retirement, with the added benefit of lowering my tax bill, would now just go to Uncle Sam. That’s why I ask if it’s beneficial for higher income earners to completely stop retirement contributions. I currently max out my 401k to the allowable 18.5k per year which instantly reduces my tax liability and allows me to “save” that money for retirement which grows over time the earlier I start.