No. of Recommendations: 0

<< I believe there are many instances wherein a contribution to a tax-sheltered vehicle does NOT make sense.>>

I agree, on the basis of there always being exceptions, but frankly, I've not been able to think of an exception to this one. Can you suggest a couple?

<<they all depend on an individual religiously
investing money.... After-tax alternatives...can be the greatest mistake an undisciplined person can make.>>

That's what automatic deposits, and automatic check to (bank/mutual fund/etc) are for. Of course, there are pitfalls here, too. This gets the money in painlessly, but it doesn't pursuade the investor to leaave it there for a sufficient period of time. And there are problems with the automatic deposit bit, too. Would you believe that my ex-company's bank could handle direct payroll deposits to themselves, but they "didn't know how" to make such deposits to somebody else's bank?


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