Many financial gurus advise physician-investors to put their retirementsavings plan on automatic pilot. Oneway is to find a mutual fund that willtake a certain amount out of your checkingaccount every month. This methodof investing is so effective, it's surprisingthat so many employees who are eligibledon't bother to put money into a 401(k)plan, which in many ways is the idealautomatic investment vehicle. Moneyyou put into your 401(k) goes therebefore you get the chance to spend it orthe government gets the chance to taxit. And often an employer will match allor part of your contribution, which putsyour investment in the black right fromthe get-go. : You should be putting asmuch money as you can afford into yourIRA, Keogh, or 401(k) plans; if you'renot, start doing so today.