We talk 401k; a fabulous method of forced savings that is available to nearly every employee and it is tax deferred. Most people will switch employers every few years usually to get a raise or promotion; they overlook the other benefit is that they can also now self-direct their old 401(k). With some know-how, discipline, and following some rules, the opportunities are huuuge. People will do unnatural things in the hopes of getting a 5% raise, which is a short-term win. They haven't realized that the long-term impact of getting just a couple more percent annually on their 401k will dwarf any raise they could ever get from their employer.