[Modernman]

Yes, 20-somethings need to start an IRA post haste. Fidelity has a plan where you can contribute $200/mo. I'm 31 & I have one :-)

My problem is, I don't get any tax benefits from an IRA. I max out my 401(k) instead.

The government needs to raise the limit for 401(k) contributions. Heck, make it unlimited.