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Hey Larry

I don't have advice, but I can share from my experience, I'm 26 in a similar boat.

My philosophy right now with my 401(k) is to put it all in the Vanguard 500, really because of the lack of better choices.

I am planning to open an IRA and invest in Rule Making giants, but also to play a bit with Rule Breakers (LIKE 25%).

I figure at our age, there is absolutely no need to be investing conservatively. I guess it all depends on your risk tolerance.
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