Right, the grasshopper and the ant. I goofed off in my 20's but max out the deduction the last 17 years or so. Kills me how much difference waiting made, but it will all work out. You can be the ant with your retirement money and have a little grasshopper fun speculating in junkie stocks, just no long and strong.
Thanks for the examples. Hopefully cristopher and the other young ones are listening.