... markets, and money, fami-lies should strive again and again to share their thoughts and feelings so they can understand each other and make decisions together. both1.indd 126both1.indd 126 10/31/ 09 ... would end up with almost $1.5 million, and you might be in a lower tax bracket during retirement. The fi gure on page 130 shows the dramatic advantage of investing through a tax - advantaged plan. ... every dollar they save. Moreover, these plans allow the earnings and gains from these savings plans to compound over time tax free. Here we describe the details of these tax-advantaged plans....