One thing that I will personally be looking into is the new Healthcare Savings Accounts (HSA's). I read an article about it in the Wall Street Journal.They allow a tax-deductible (i.e. pre-tax) contribution that is also tax-free when withdrawn if used for medical expenses. You can use it for medical expenses at any time, not just when you get to retirement age. If you withdraw from it before 65 and don't use it for healthcare expenses, you get hit with a 10% penalty and tax on the withdrawal. After you hit 65, you can withdraw the money for non-medical reasons without a penalty, but you will pay tax on the withdrawal.That's the gist of it. It begins in 2004. There are some complicating factors though, like you have to have a high-deductible on health insurance and things like that.It's worth looking into.
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