Re:check out health savings accounts (Score 1)

I second the need for checking out a Health Savings Account (HSA). The HSA was added in the Medicare Reform Bill last year. It allows you to save pretax dollars, equal to the amount of your deductible (mine is $5100 for family), to be used on medical expenses. Any dollars that you do not use roll over to the next year. When you reach 65, you can treat any of that money as regular retirement savings. In all, I'm saving over $2000 / year over an HMO, plus I get to keep any of the savings that I don't use. (I got mine through healthcareshopper.com) I also recommend minimally forming an LLC. The taxes are not substantially more difficult than individual. Now, I sell both products and services. It takes a lot of work, but that's what capitalism is all about, right?