if this new savings plan that bush purposed passes it will be the ultimate trading vehicle imho. i urge every trader to contact their representative and lobby for this plan. it isn't often they do something good for traders. http://www.thestreet.com/funds/beverlygoodman/10066365.html "Roth IRAs require that in order to contribute $2,000, investors must have at least $2,000 in earned income. With the elimination of the earned income requirement, parents not only can sock away $30,000 per year per couple, but also another $15,000 per child. "