"It is not the same army of 15 years ago, when it used to grab power at the first opportunity, " says Beg.

CNN: CAN THIS MAN MEND PAKISTAN?

After that previous big win in Adelaide in January 2002, the draw opened up at the Australian Open and left Henman with what seemed like a golden opportunity to grab a Grand Slam title.

BBC: Henman hunts ultimate prize

Fund your tax-deductible 401(k) at least up to the employer match, but also invest in stocks through taxable accounts and grab any opportunity you have to stick assets into a Roth IRA. You put aftertax dollars into a Roth.

FORBES: The 2005 Investment Guide