51.   In January, Nebraska began a college savings plan that incorporates mutual funds from Vanguard, Janus, American Century and Fidelity Investments.

52.   In most other states, deposits to college savings plans are made with after-tax money.

53.   Individual retirement accounts are another way of getting some extra oomph in your savings plan.

54.   Investors have been pulling out of the provident funds, which manage partly tax-exempt savings plans for individuals.

55.   It comes in several dozen state-sponsored college savings plans that offer savings not just on income tax, but also on estate and gift taxes.

56.   It is among the cheapest for college savings plans.

57.   It requires deciding what is important to you, knowing what you spend, committing to a regular savings plan and investing prudently.

58.   It also creates a new type of savings plan.

59.   Large employers fear that the medical savings plans would drive up their costs by siphoning off healthy employees and disrupting managed-care networks, like health maintenance organizations.

60.   Like the Hutchisons, those younger workers should be pumping bucks first into tax-favored retirement savings plans.