My wife and I met with the financial planner from her office yesterday. We've both recently finished our medical training and now finally have "real" jobs with a total gross income of 260K a year. We were hoping to at least put some savings into a 401(k) or IRA but were told that we couldn't due to our high incomes. (I guess a person could have worse problems.) The financial planner recommended a Variable Universal Life policy (which of course he sells) as a way for us to invest and at least let our investment grow tax free. As he worked it on paper the fees to the ins (company) would be less than the tax to the IRS and it seemed to make some sense. The fact that we could remove the money at less that 59 1/2 years old was attractive too. I'm, of course, planning on doing some foolish (should that be Foolish?) investing on my own as well. I'm pretty new to investing and retirement planning and would appreciate any thoughts you fools may have. Thanks.