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2) Keep as much of my unearned income as possible. There is really not much I can do to reduce my earned income tax. I still don't have the desire to own a house yet as
1) housing mkt is slump so prices won't burgeon
2) money is expensive
3) no regional affinity yet.

All I can do now is
1) IRA
2) Business Expense (Apple, etc.)
3) Dental Expenses
4) Calif taxes for 1980
[Noted to left of 1-4] Also interest payments. Buy on margin! [/note]
[Noted to right of 1-4] gives me a reason to pay them. Else I'd be reluctant. [/note]
I don't feel like doing investment credits since those imply fairly high risk.

So Q'est sera, sera...

Back to unearned income.

[Noted in green ink with green circle around 63%] NO! [/note] Marginally I am in the 63% bracket. For every extra dollar of interest I only get to keep 37 cents! Clearly I must not keep around anymore than the minimum in the T-bill, which I want to keep for safety.