It's pre-tax dollars, so if you put away $100 it's only a $60 difference in your paycheck.

On a pure dollars-and-cents basis, the difference is that with the traditional 401(k) you get the tax break now, while with the Roth 401(k) the tax break comes later.

Wait one year before you do anything, and hire an objective advisor and an attorney. And unplug your phone.

Everybody knows you have to buy low and sell high but it's hard to do that. You have to have nerve to do that.

Pre-paid has made a difference to all the operators.

We have a responsibility to be responsible stewards of tax dollars.