as many of us get (all to) closer and closer to retirement ... and, generally could kick ourselves more and more for not paying more serious attention to this matter earlier in our careers ... we face the fact that there are a limited number of years to make your money work for you ... before you have to start using it ... so, while this might not be a stat question per se (though we could probably make it one) ... i ask this for general advice ... if you feel your answer has no relevance to the list ... send me a personal note at ... <mailto:[EMAIL PROTECTED]> here is the question if you had 5- 10 years more ... in a salaried type of a position ... and, had a general choice between A. putting what cash you could muster into the best non tax sheltered investments you could (not the lowest nor the highest risk) ... where you will have to pay tax on your gains each year ... or B. putting that same amount (or maxing if you can) in employer deduction oriented tax sheltered investment strategies ... where you do NOT pay tax on the gains each year and lower your taxable income ... which of these two general ways will tend to benefit the average joe or sally ... the most? and, if there is not an answer to this ... tell me that too ============================================================== dennis roberts, penn state university educational psychology, 8148632401 http://roberts.ed.psu.edu/users/droberts/droberts.htm =========================================================================== This list is open to everyone. Occasionally, less thoughtful people send inappropriate messages. Please DO NOT COMPLAIN TO THE POSTMASTER about these messages because the postmaster has no way of controlling them, and excessive complaints will result in termination of the list. For information about this list, including information about the problem of inappropriate messages and information about how to unsubscribe, please see the web page at http://jse.stat.ncsu.edu/ ===========================================================================
