Tess Vigeland and Kathy Kristof of CBS's Moneywatch answer your questions about tax shelters, real estate as investment and what to do if your employer overmatches your 401(k) and asks for that money back.

For pencil pushers, their bodies can probably keep working until 67, when they can collect full Social Security benefits. But people who use their bodies for work -- construction workers, waitresses -- they often find themselves to be too young to collect full benefits but too worn down to find more work.