Carpian,(1) If you currently rent a place for less than an owner's cost, I'd keep that arrangement for as long as I could and direct the excess cash to the stock market.(2) I'd fully fund all the IRA/401k opportunities you have. You can easily tap these accounts, penalty-free, before age 59.5 using the 72(t) exception, see link:http://www.geocities.com/WallStreet/8257/wdraw59.htmlintercst
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