You asked why I don't like to invest money into 401K and IRA funds. Well, I do. The problem with a 401K is in the government management and oversight. The small business I own is designed for heavy weight at the top of the salary scale as it's a Subchapter S corporation. That means all of the profit passes through to the principal shareholder at the end of the fiscal year. That pushes my income to very high levels sometimes, much higher than the employees. As a result, the audit on the 401K causes a reimbursement of funds to make it "fair." Every year I get a fat check back out of the 401K that I don't want. So what' the point of investing money into a retirement fund that refuses to grow past an arbitrary limit. it's a waste for me and so I don't put excess money into it. The IRA is another fun vehicle. There are limits on how much you can put into that type of fund. Then you have to hope that it grows. I have a Legg-Mason IRA and for about 5 year...