[Hugh R]

Tom, read JYL's posts on the subject (sorry, don't remember the thread). Put your $ in well balanced mutual funds. You're young, put it away now and compound interest is your friend in retirement. I've put $ away every year since I graduated in 1979 (not always as much as I should have), but always something. Getting old comes up quick. 31 years of working, and I have a retirement nest egg that is OK. If you look on the internet, you will find that the "average" self-directed (meaning you put the $ away, not your employer) retirement nest egg in the USA is really appalling; like a few thousand $.