I went to see Joseph last year for my tax return. It turned out that since I didn't not have enough withholdings at work, I was going to end up paying more money than I had thought on my taxes. Luckily, Joseph pointed out that if I were to put money in my IRA it would save me a couple grand on me taxes. So not only do I benefit in saving money for my retirement, I also had a greater reduction on my final tax bill. Thank you sir.