I see things clearly now.I agree funding an IRA is your best option.Look at I-bonds, the interest is tax-deferred until maturity or until you redeem them. They are a low-cost method of savings. I mentioned the tax-deferred options (you can choose to pay tax on the interest as it accurs) plus they give you a fixed income allocation to your savings plan. www.savingsbonds.govHope this helps.buzman
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