When Intuit tax advisors computes net savings from 401K Strategy, it computes cash expended to fund the 401K net of tax savings. What about if they contributed $6,000 to a Roth -IRA in prior year? It's not in the baseline that $6,000 cash would be outlaid without the strategy in the plan. So, net impact of strategy is understated.
The baseline for the 401k strategy comes from Box 12 on the W-2. The only Roth codes on Box 12 are Roth under a 401k (code AA), Roth under a 403(b) (code BB), and Roth under a 457(b) (code EE).
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