For pre-retirees who are still building the nest egg, this analysis can provide insights about what to expect in the future.

FORBES: Managing Your Retirement Fund In A Secular Bear Market

One advantage is that money left unspent in accounts can be rolled over to the following year, building a nest egg to cover the deductible.

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Not only will you start building up a nest egg, you'll have more money for things that do make you happy, like handbags or trips to Spain.

BBC: NEWS | UK | Magazine | Money worries in your 20s? There may be a silver lining