A tear in my eye as I read "tax-free retirement account (whatever their called)" I have been preaching this for over 1 year: RothIRA = Tax FREE Retirement at 59 1/2 :) RothIRA = Tax FREE Retirement at 59 1/2 :) RothIRA = Tax FREE Retirement at 59 1/2 :) RothIRA = Tax FREE Retirement at 59 1/2 :) RothIRA = Tax FREE Retirement at 59 1/2 :) RothIRA = Tax FREE Retirement at 59 1/2 :) RothIRA = Tax FREE Retirement at 59 1/2 :)