Hoïum: I may not be the best example here. I do not invest specifically in retirement accounts. I really appreciate the liquidity of having a taxable account and it has served me well my entire life.

Like I said I used the money I invested to do things like pay for college, pay for our wedding, now we’ve spent a lot of money on the kids over the two last years. So I really appreciate this flexibility. We don’t have entrepreneurs either, we don’t have typical 401k matches and things like that.

Everyone is a little different. My wife is in another boat so we have 401k through her company. Depending on your financial benefits, especially when it comes to the game, everyone would be a little different. But I might not be the best fair example [laughs] since I am taxable.

Guess I’m not afraid to pay my taxes if I have big winners. But that’s the reason, it’s that I appreciate this liquidity at the moment. For better or for worse, here we are.

Allen: I know we’re a little late, but just one last thing on this. A great approach is to simply put the money in your 401k until your match, then everything else that you put in your Roth IRA. It’s a great budget to have.