So I work for the state government, recently finished training. On one of the last days, the company that manages our 457b came in and gave a short talk. They basically explained it as a 401k with no employer match, which... I kind of thought was the main benefit. Also said that post tax deposits do not incur tax on the gains? That sounds *really* wrong, but I have no experience with this type of account. It seems like the only benefit to me would be if I wanted to gamble that my tax rate would be markedly lower in 20-25 years when I retire, and that i can withdraw early providedni separate from state service. I'm leaning towards just abstaining, but I wanted to see if there were any major benefits I was missing.