You sort of touched on it, but i think you could expand your calculations to cover the fact that if you put into a 401k or regular IRA you save money at your marginal rate, but only pay out taxes at your average tax rate when you withdraw (assuming most of your income is from tax defered retirement accounts). (financialsamurai.com)
If I were you I'd probably put SOMETHING into tax deferred retirement accounts because in your tax bracket, the savings from doing so are significant. (money.stackexchange.com)
As a result, most people prepare for retirement by saving their own hard - earned money and putting it into an after tax or tax deferred retirement account such as an Individual Retirement Account (IRA) or Qualified Plan (e.g., a 401K plan). (mindfullyinvesting.com)