Josh, are you saying you don't want a benefit for retirement savings? If so, you are in the minority! If you invest in a traditional IRA, you get tax deferred growth, you still pay taxes upon withdrawls. If you invest in a ROTH IRA, you invest with already tax dollars. either way, you pay, so why should there be a limit on how much you invest each year?! My thoughts are this, for those of us wise enough to invest for our retirements in programs like IRAs and 401ks, we should have the ability to do so without maximums.

These people get paid to make these decisions?!?!

Why should we be able to benefit from saving our own money, Will. That would just be silly!

Jsut what we need, lower limits. Why even have limits, let us save as much as we want!