It's the best motivation to save for retirement that we've seen in America. Everybody should be in the Roth game if they can.

All the calculators do is project an interest rate and a tax rate for retirement. You can't rely on that. It's a guide, maybe.

Retirees are much too loyal to the company that employed them, ... When it comes to retirement savings, your first loyalty must be to yourself.

This way, if there are any problems, all the retirement money isn't at risk.

A defined-benefit Keogh would allow you to sock away a lot more, with the amount you contribute depending on your age and compensation. It makes the most sense for someone older making a significant amount of money.

So a working couple can contribute a lot more with a Roth 401(k). Each spouse can put $15,000 into a Roth 401(k). It's an opportunity to put a lot of money away that you'll never again have to share with the government.