but i am going to end up paying for my kids' educations ( have 2 kids) as well as other peoples' who haven't saved, and also paying for other peoples' retirement who haven't been as disciplined (within 20 years, is it really likely the government will confiscate my 401k and ira (we max out both, but make sacrifices to do it!).

Forgive me, but that just sounds like my almost-teenager whining about why he can't have a Playstation 3. When he already has a Wii and an Xbox.

Care to restate your concerns?

What's the point?!?

The point? No matter what the politicians decide down the road, you're going to be better off by saving.

--Peter