[Willie Green]

Well, it is a bit more complex than that.

Yes it is, isn't it?

And that's my main objection.
Fedgov and Dubya are just adding to the complexity with more specialized "accounts" with complicated strings attached limiting my access and use to money that I save.

I don't want all that complexity.
I simply want to save MY money in MY savings and/or brokerage account.
I don't want MY money spread out over a dozen different accounts with goobermint bureaucrats dictating terms of deposit, use and withdrawel.

[Torie]

Given your indifference to tax deductibility, you must not be paying much in income taxes. Maybe you agree with the WSJ, in that it is time to get lower income folks back on the income tax rolls, all to further E Pluribus Unam.