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Choosing a career is no easy task. Deciding what you want to do for the rest of your life is tough to say the least. What if you make the wrong choice? What if you choose something that makes you miserable, or leads to stress and money worries?

You might think that the simplest way to put away money for retirement would be to save or invest your money as you see fit — without reporting your contributions to anyone, and without following any special rules. The problem with following a freestyle retirement plan like this is taxes.

You've seen the commercials: an oversized, red bow atop a shiny new luxury car in the driveway. You can all but imagine the new car aroma wafting while an exuberant recipient jumps for joy in his or her jammies.

Luxury cars make a statement.

Kids want things. They want lots of things. And while they sure are cute, they don't bring in any income to offset the money you spend on them. In fact, kids are pretty much a money suck from the moment they're born until the day they leave your home.