HOW SAFE IS YOUR ROTH IRA? It’s got money in it. The government wants money. “I don’t advise not saving. But I’ve started thinking about saving in ways that Uncle Sam won’t be tempted to touch–like paying off your house early, maybe buying a vacation home (for cash) if you know where you’re likely to want to spend a lot of time, and doing the kind of renovations that save you money in the long run–better insulation, higher-end energy-efficient appliances, etc.” Or maybe buying a vacation home overseas, the way inhabitants of third-world kleptocracies have done for years to avoid desperate grabs by debt-ridden regimes.