Yeah, thank you guys for all the opinions....I do have satisfactory choices with the 401 and its done well for the 15 years I've been contributing and never seeing the $ beforehand makes it painless (or at least lost pleasure I never knew ;-) Ditto also on who knows what tax tricks will be up their sleeves by the time I'm ready for the easy chair in 10 or 15 years...I'm convinced you just can't try and second guess what "might be" but stick to a plan.


110intheshade