Did the math on the computer, haven't sent in yet... and they are freaking crazy about me putting money into the stock market. Form 8880(?) credit.. a CREDIT... for tossing some change into my IRA, in addition to writing it off my gross.
By the time I qualify for a piece of good luck, so does everyone else! If you have tax software crunch the numbers for gambling on the market thru your retirement, this may be the year for you youngsters to start!