What a great deal!

I'd say I'm frugal-minded but not too financially savvy. Can't see the forest for the trees, as they say. I'm not at all prepared for Old Age, and the very fact that I'm thinking about it makes me feel old.

Which I know makes no sense, as far as financial planning goes. But there you have it.

Part of this situation is due to the fact that my chosen career path is hardly lucrative, to say the least. Add in an expensive education and copious medical expenses, and I'm usually pretty broke.

However, I recently had an epiphany and made a financial move that I'm finally comfortable to make, and which will save me approximately $4100 a year in taxes, while adding almost that much again into long-term savings.

Pretty sweet, no?