CPA, MBA, Masters in Tax Deep value, current income orientation, use options for entering and harvesting positions as well as "juicing" income where appropriate. (selling puts and calls mainly) I work with a lot of sales professionals and artists, musicians etc. what do they have in common? Widely varying monthly incomes. Some sales guys will miss that big deal and a commission is lost. Artists will have a show close and then not work for weeks potentially or work at a much lower rate of earnings for a period of time. To that end, it has focused my attention on encouraging my clients to build current income streams that level out those ups and downs. Higher taxes? potentially yes in the boom years, but what a huge comfort it is when those bumps occur. It has also gotten me thinking about the purpose of current income and its function relative to the more traditional "max out your 401k" advice. I've found, and perhaps become jaded, that the only groups that benefit truly from 401ks are the asset managers who effectively lock up your income and assets for 25-40 years depending on where you are in the earnings/savings process. As a result, I generally don't recommend funding them until current income from investments is at least 40-50% of monthly expenses. The flexibility and security gained from this approach is tremendous. Had I done this earlier in my own life, I would be in a position to cut back on my own hours if I wanted to! So, that's my focus, and as I extend my advisory practice to include investing, that will be my focus, current income opportunities.