Way back when the saving and loans, and pension plans collapesd, there was a government invention caled the IRA. Where one could invest money and let it grow tax deferred. The taxes would be paid when you were older and your income would be taxed at a lower rate. Sounds pretty good
So as time moves on, the fallicy of it all comes out and your offered a ROTH ira where you pay the tax now and you draw the growth tax free.
I guess someone figured out that as you get older you will have less income, but you have less deductions, and the tax rates will be higher!
I do believe we have been lead down the rosey path by our politicians.