I'm a long-time arm-chair market-watcher that decided to get into the game. As an observer with a heart and knack for analysis, my investment philosophy is that of outrunning the lion chasing the herd. Just stay ahead of the last guy in the group, and you probably won't get eaten. I'm not out to score the most points, just a normal person trying to have enough to get the kids through college. I only have so much time to dedicate to my career, so the next best way I've seen to preserve the value of my money is to put it to work. In particular I'm interested in pre-tax contribution options, tax-free investment strategies, deferred income vehicles, bonds, inverse equity plays, and a sprinkling of interest in speculative placements to keep it fun.