Vtaeger,

<<Most advise is based on the situation the advisor wishes
he were in. The better advise is based on the situation the
advisor is actually in. That's why it's Foolish to think
for yourself.>>

LOL.

<<The median household income in the US is around
$40,000. Good advice for the majority (for whom the
28% tax bracket is a distant rumor) is sadly lacking.>>

True. Fortunately, for Fools these ARE thoughts to keep in mind. We don't follow the flock, and I KNOW I'll have to worry about tax rates in retirement. If I drop into the lower end, I will have failed miserably in my wealth accumulation goals. And I intend to make my children very happy on my demise even after whooping it up in my later years.

Regards….Pixy