Are you getting an employer match?  What investment options do you have? What stage in life are you?
The traditional view was that putting money away in a tax-deferred account was a smart move because you would be in a lower tax bracket when you retired, assuming tax rates stayed roughly the same.  That assumption may not be valid in the future, according to many of those who notice the looming Social Security/Medicare crisis and extrapolate what it might take to pay for it.  See Burns and Kolitkoff, "The Coming Generational Storm."  So it's not as easy a question to answer as it used to be.  
Kotlitkoff also wrote back in July, Is America Bankrupt distributed via the STL Fed.
true that in my case i may be in a higher tax bracket   these witdrawls can be managed to minimize the tax consequences    in fact i dont plan to stop working     just to retire from punching the time clock