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I'm hoping some great Fools out there can offer advice/their solutions.

I'm a 24yo, married DINK (Dual Income, No Kids), and trying to save for retirement. I'd like to be able to retire at 45, so I'm on an accelerated savings plan. My spouse is 35, and unfortunately not interested at all in "the paperwork" as he calls it.

So far I've maxed out 401k's, ESPPs (Employee Stock Purchase Plan), contributions to Roth IRA's and setup Education IRAs for two younger sisters. Our AGI this year will be about $89,000, but next year hubby will be out of school and it will exceed $130,000 and will most likely be above $160,000 by 2002 or 2003. This means that I'm going to lose the $4000/year going into the Roth IRAs and the $1000/year in Education IRAs fairly soon. Even maxed out, percentage wise my 401k contributions are less than stellar, so unless Pres. Clinton signs the bill raising the current $10,000 limit, I'm in trouble here too.

I'm thinking about gifting money to relatives to have them continue funding the Education IRAs. Does anyone have any thoughts on this?

Our credit union financial advisor suggested annuities for retirement saving, but I'm leery of anything involving insurance companies (even more so after checking out the info on annuities at The Fool). Are there any good savings vehicles out there for people in higher tax brackets (aside from owning stock)? Is there anything that will help me get OUT of the higher tax bracket (or at least delay our arrival)?

I just hired a CPA who gives me warm fuzzies (something to do with the way she found an extra $8,000 in deductions in 20 minutes!), but she's justifiably expensive, so I want to do as much of my own reasearch as possible.

Any help would be greatly appreciated!

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