Yeah, I hear you, but nobody is forcing you save, you are just choosing where and when to spend and therefore you are choosing when to pay your taxes. The MAN gets his cut of your production on the back end, not on the front. The two things that would take the teeth out our government and give us back our country would be 1. Term limits 2. Fair Tax. Let there be no doubt about it, income tax is weapon use by our govt. Currently, if you make a mistake its your fault and you pay the price for failure to remit your taxes. When was the last time you walked out of a business and noticed they didn’t charge you tax and then thought, wow, I should go back in and pay that tax? Never, because the onus is not on you. Yet on the other hand, have you ever seen something the govt. was doing and thought, “That sucks, I would say something about it, but then I would probably get audited or something.” I know I think that all the time. You would probably be shocked at how often outspoken conservative talking heads are audited.