Most investment portfolio's have done pretty well this year-domestic index funds, international, reit, commodity.  You get the idea, your portfolio has probably gone up in 2006.  If you've sheltered that money in a 401k, 403b or IRA account-your tax bills have been minimized.  I guess the challenge is to get money into those accounts.  It's been tough...once again we're just not saving very much in this country.  I hope all of us can do a little better next year.

That’s because, increasingly, Americans have no savings set aside for rainy days.

For only the second time in the nation’s history, U.S. personal savings rates as a whole fell below zero in 2005 and has flirted not much above zero since then, according to the Bureau of Economic Analysis.