The advantage of accumulating after-tax assets in a retirement account is that when they are distributed, the amounts will be tax- and penalty-free. However, this benefit is realized only if the necessary steps are taken.
Assuming that there is no change in a person's spending or professional income and assuming that they are spending less than they earn and doing something productive with it, then over a long period of time a person's net worth should start to accelerate. But what if it doesn't? Take a look a this case example to learn more.