Kronan, Between my 401K,Bfund, IRA and Roth IRA. I contributed to an after tax IRA since I was hired. When market tanked,congress authorized converting IRA to Roth, only taxed on the gains, no matter what your income level.Since I was basically flat on gains I converted all of my IRA to a Roth. Turned into a great deal since the market then tripled. All of the gains tax free. I do not want to post my balance but should be able to withdraw 4% a year to reach those numbers.