and we will look into it, that the new tax bill makes buying your own Congressmen tax deductible. 
Although I am joking, I wonder if they will make political contributions deductible.
The tax avoidance (efficiency) is simply to take advantage of the favorable tax treatments that dividends and capital gains get. It was counter intuitive to have my IRA heavy in bond funds and my non-retirement account heavy in stock funds, but makes sense because all the dividends and capital gains that are part of my IRA will get taxed at regular income rates upon distribution. I've also taken distributions from the IRA when I didn't need them because I was in a low tax year thereby avoiding taxes later. I consider myself very fortunate that I was able to save, both from a employment standpoint and a psychological one. I lost my high dollar job in 2004 and have managed to get by because I had no debt.
Nice to meet a like minded spirit.
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