(MONEY Magazine) – This month: Strategies for retirement security and eternal youth

HIGH REWARD / LOW RISK

MAXING OUT YOUR 401(k)

Upside: Tax breaks, plus free money from your employer Downside: None, since you were going to save that money anyway, right? Uh, right? Page 76.

HIGH REWARD / HIGH RISK

INVESTING AGGRESSIVELY FOR YOUR TRUE AGE

Upside: You might be able to make up for a late start. Downside: Likely payoff is no better than safer strategy. Page 76.

LOW REWARD / LOW RISK

FINALLY UPGRADING TO DVR

Upside: TV without ads! Plus, your kids stop thinking you're clueless. Downside: Another remote to learn. Page 123.

LOW REWARD / HIGH RISK

ABDOMINAL ETCHING

Upside: Washboard abs sans sit-ups Downside: $25,000, plus the girdle you must wear for months. Page 90.