She uses aftertax salary--no big sacrifice, given her low bracket--to fund a Roth individual retirement account.

FORBES

If trimming spending doesn't get you to that magic number, consider temporarily cutting back on contributions to your individual retirement account or 401(k) and using that money to bolster your emergency fund, says Mr. Weingarten.

WSJ: Your Emergency Fund Needs a Boost

But he now had extra income from moonlighting and wondered whether he should use it to fund a tax-deductible SEP-IRA (a special individual retirement account for the self-employed), or should pour his extra savings into the 529s.

FORBES: 11 Ways To Tap Retirement Cash Early, Without A 10% Penalty

Still, taking into account estimates of trading volumes and margin payments, it is conceivable that an individual hedge fund, if it had no regard for counterparty risk, could have dominated trading of an individual bank's CDS on any given day.

ECONOMIST: Speculators