@JaneAir - I suppose it is a gamble. But it sure would be nice to pay a little bit less in taxes now and be able to make some investments.
I guess everyone has to choose the right savings/retirement plan for themselves. Personally I think the best idea is to talk to a financial planner and get all the details about the different kinds of accounts. A lot of people don't know the difference between the many types of retirement accounts out there. I think at that point it's a good idea to consult an expert!