Many wealthy American’s are saving money in their 401(k)’s just to have it returned to them because they make to much money. Here is a nice article that was in the Wall Street Journal on such a topic. Remember, if your 401(k) contribution is returned to you, it doesn’t mean you should spend it! I like Tom’s advice, in this article, to set it aside in a tax efficient investment in your brokerage account. Need help pick a tax efficient investment? Send me an email.