No not all I have 401k before taxes,Roth,and a 401k after taxes!! Not to mention my Scott Trade account. I just believe in taking advantage of good deals. So I have been putting most of my investments in pre-tax investments because when you start to draw your pension it's Taxable,your401k after tax investments will be taxed. So I'm in the process of creating some tax-free income!! As far as the UPS Stock it's a good deal when you get something at a discount it means I've already made 10% before as well as the lowest cost of the Quarter, now still getting 5% discount means I'm already ahead of the average investor!!