We are on a crusade to let everyone know that thier are alternatives to the conventional method of building retirement investing in the stock market. Information is piling up about our current system of funding IRA's and 401k, that show a complete failure. I can not sit by and watch the American public continue to drink the kool aid. We have been duped by the system to believe that the 401k will allow us to retire in the future. As of 2012 these accounts now have to reveal thier fees, and they are huge, 2.99% does not sound like much, until you do the math. A fee of 2% will cut your retirement dollars in half. . It has been suggested that if you put money away tax free, let it grow tax deferred, and take it out in the future, you can save money. There is a better way..