text:  uh... a lot of result the biggest bang for the buck is by having a forward-looking tax strategy up we're not cps were not accounts when you see this over and over again and you see the same scenario people come with their ira is the four one case their t s p is therefore three b's and then you really sit down and stop and look at the numbers for far too long for decades the only thing in retirement plans that was my rate of return to be