Buy some shares in a Roth IRA and you won't have to pay tax on the gains when you take it out if the account is 5 years old and you are 59 and 1/2.  That's your retirement.  The 5 year clock starts ticking from January 1 of the year the account is funded.  If you fund before the end of 2012 it's barely over a 4 year wait.

The rest can stay in your regular accounts.

In Reply to incubus

one buck for a power ball ticket - I'd do that. think of how many more shares you could pick up if you win.....

double you pleasure. think of how much you would be paying in taxes if you won. better to win this year than probably any other year for the rest of all of our lifetime. govt is drooling over the winner(s) this moment.