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FoolWAM Date: 9/4/99 11:08 AM Number: 13654
As well if you are really able to save above and beyond your 401(k) and Roth, you may want to consider non-qualified vehicles like Variable Universal Life as a third leg.

You certainly have time to fund a "third leg" - your projected early retirement is still 20 years away. I like the flexibility of a simple brokerage account after you have funded the various standard retirement plans. It doesn't have tax deferral beyond using long term buy and hold, but it has great flexibility. You can time you gains and losses, your gains are taxed as capital gains, and you can use appreciated stock for charity and gifts. And you get to control the fees - many "tax-advantaged" plans are designed with heavy fee structures that sweep most of the advantages into the pockets of the plan providers.

I also recommend the board called The Early Retirement Home Page. Put it into the "Board" field near the bottom of the this page and hit "Find"
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