[cynwoody]

Retirement accounts are an abomination. There should be no IRAs or 401Ks or such.

There should only be investment accounts. And cap gains (long or short) should be taxed at 0%, as should dividends.

[Sir Napsalot]

You are going to upset a lot of people.

[DaveArk]

You just descibed a Roth IRA.