>>Why not just use some of your cash to buy a Roth for the present, or even for the next few years? <<The cash is really something I need. Some remodeling, a vacation, future car purchase and emergency fund. >>What are your "aggressive" funds? <<Putnam Int POVSXWilliam Blair Growth WBIGX Fidelity Magellan FMAGXJanus Research JAMRX other available choices includeDrefus Bond MArket DBMIXAmerican Funds American Balance RLBCXMFS Value MEIAXBaron Small Cap BSCFXFranklin Small Mid Cap Growth FRSGXFranklin Balance FRBSXRoyce Opportunity RYOFXComerica 500 Stock indexComerica destination Funds 2015,2025,2035,2045Its hard to know..>>Welcome PurpleButterfly!<<Thank you. I agree as I go forward I have to much in one basket my earnings and company stock. My stock purchase plan is a good one and I love owning my companies stock. >>You mention you have a $80K mortgage- What's you monthly payment? <<payment including a accelerated payment on principal to reduce mortage from 30 to 22 years, condo fees, propery taxes and insurance is around 900 a month. I sold stock for my downpayment on my house. That was the origianal plan for the stock. Since I now own the home I have always wanted the stock can be condsidered retirment funds. >>Congratulations, when you add in your future savings and you are well on the way to having a million dollars(in today's dollars) when your retire !!!<<Thanks I like to think I am trying to be on right path but it can be confusing. >>You might want to consider if there is some enjoyable work or business you could do on the side to bring in a bit more income.<<The most effective way to do that is volunteer to work OT. But I am getting to the point that I consider my time valuable. I do unpaid volunteer work that is rewarding but not compensated. >>Mr. (or Ms.) Butterfly<<That would be Ms Butterfly:) Thanks everyone for taking the time to answer. I appreciate it. PB
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