"Roth withdrawals don't raise AGI and aren't investment income, " says Vern Hoven, a tax expert in Gig Harbor, Wash.

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The spacious black and white tiled garage is just the cherry on top of this Gig Harbor home for sale.

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As a kid, she began making money by digging clams in Gig Harbor, a sleepy maritime town, an hour south of Seattle.

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Supermarkets passing store produce off as a farmers' market is "a real slap in the face, " said Dale Schultz, who has been selling the tomatoes, onions and squash he grows on his farm in Gig Harbor, Wash.

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