IRA investments

Hello again. I have receive much literature on lately informing me of maximum contributions for IRAs has changed to $4000 from $3000. These pamphets strongly urge investing the maximum to reap maximum benfits of your investments for your retirement years. Yeah, if I had a spare $4000 in any given year I would be flying to Australia instead of investing in my retirement fund. I have my priorities. Post later. Bye!