To make matters worse, each new tax break has its own special definitions and gotchas.

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Holding some of your assets in a Roth can still help you finesse gotchas in the tax code.

FORBES: Which One To Pick First

There are enough exemptions, exclusions, preferences, subsidies, giveaways and gotchas written into the tax code to fill a medium-size library.

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Patients are often unaware of these gotchas, and trying to squeeze something out of their coverage can be so time-consuming and frustrating that they simply give up.

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The self-employed, by contrast, must decide to save for retirement and then pick their way through a maze of different plans, each with its own benefits and gotchas.

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That little bit of insurance, however, comes with annoying gotchas.

FORBES: Magazine Article