If you're like most people, the idea of POSTPONING taxes is very attractive. That's a big reason tax-deferred retirement plans are so popular.

But do you REALLY come out ahead tax-wise by deferring your taxes? The answer may surprise you! Let's take a look, and then I'll show you an alternative to traditional retirement plans, that can slash your tax bill by 54% or more. It also lets you bank on yourself for your retirement, instead of having to rely on the government or your employer.

If you were to put $4,000 a year into a traditional tax-deferred 401(k), IRA or pension plan for 24 years (for a total of $96,000), and earn 6% annually on it, you'd have $209,807. However, if you are in the 28% tax bracket, after paying taxes you'll end up with $151,061.

But, what happens if you put the same amount into a Roth IRA or Roth 401(k) plan, where you pay taxes on your contributions in the year you make the contribution, but you get to take your withdrawals tax-free?

After paying taxes on your $4,000 each year (assuming the same 28% tax bracket applies), your annual contribution would be $2,880. If you did this for 24 years, earning 6% annually as in the first scenario, you'd end up with... $151,061!

WHOA! THAT'S THE EXACT SAME AMOUNT!

However - and this is a BIG "however" - when you withdraw that $209,807 from a tax-deferred plan, as in the first scenario, you have to pay taxes on the ENTIRE $209,807-the $96,000 you contributed AND the $113,807 of interest you earned.

But, when you put that same $96,000 into a Roth plan AFTER taxes (like the second scenario above), you only pay taxes on the $96,000 you contributed. You can get ALL the growth earned in the plan, TAX-FREE, if you follow certain guidelines, according to current tax law.

Which would you rather do - pay the government 28% of $209,807 ($58,746)... OR 28% of $96,000 ($26,880)?

THAT'S A WHOPPING 118% MORE TAX!

Plus, most experts now predict taxes can only INCREASE, for a number of reasons, so you can expect the tax bite to be even bigger.

If you see why it may make more sense to pay the taxes up front, so you can avoid paying much BIGGER taxes on the growth later on, what are your options?

You could use a Roth IRA, but there are strict limits on how much you can put in each year. Also, you can take withdrawals tax-free when you reach age 59-1/2, but you can't put the money back in to continue growing tax-free.

With the Roth 401(k), you pay taxes up front on funds you put into it and can take withdrawals tax-free after 5 years, or after you've stopped working or turn 59-1/2. There are limits on how much you can put in each year.

The Roth plans are the two options that allow you to avoid paying taxes on the growth of your money that most people know about.

But there are other options many people aren't aware of, that give you far greater flexibility and control, along with GUARANTEED GROWTH withOUT risk.

In addition, these options also enable you to become your own source of financing, bank on yourself, so you're in control of your financial future, and get these benefits, as well:

1. These plans let you get back the ENTIRE purchase price of your cars and other big-ticket items!

In fact, if you were to use your plan to buy a new $25,000 car every 4 years for 40 years, instead of leasing, financing it or paying cash, you could have at least $711,139 MORE in your account!

2. Pocket the interest you would otherwise pay to financial institutions

3. With some plans, unlike most qualified retirement plans, there are NO government limits on how much you can put in each year, and NO government restrictions on how much you an withdraw each year, and NO penalties for taking withdrawals before you reach a certain age. There are also NO penalties for NOT taking withdrawals at a certain age

4. Your money grows each and EVERY year and you CAN'T go backwards (no more worrying about picking the right investments or relying on luck)

If you want to grow your nest-egg predictably and without risk or worry, consider incorporating one of these alternatives and turbocharge your financial plan!