So what if someone in the 33% bracket can potentially save up to 8% more than someone in the 25% bracket, they're paying much higher on AGI! And when the rates are reduced so there's a lower incentive to use the accounts, it still can be saved/invested and grow tax-free and gains can even be spent tax free if used on qualified medical expenses. That's the bigger incentive IMO.

Hey do you have another working link for Public penetration test results: https://ptr.iot.nist.gov/A2L7P9D23345 you posted a month ago. I had to send a message here because Hackernews does not allow direct messages.