Confusing tax-advantaged retirement plans

"UNCLE SAM has been generous to a fault in creating tax-advantaged retirement plans. He has foisted upon the public a mind-boggling array of options, at least a dozen, each with itsown set of rules as to contributions, structure and withdrawals.
...
Instead of helping people preserve money for a retirement nest-egg, this tidal wave of alphanumeric soup is choaking the nation, discouraging the public from participating.


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