Hi Beth,You wrote I guess this "newbie" is looking for someone to say "Hey - you have enough for retirement already -- direct that cold cash to something else!" I feel like the teller of a good news bad news joke. The good news is that the $45,000 you have in your retirement accounts is more than enough to retire on in 30 years. The bad news is not at a 10% return. If inflation averages 3% per year for the next thirty years, you will need almost two and one half times your current income to maintain your current life style. In addition, as the years go by and your family income increases, you will find that your wants will be greater than they are now. When it is time to retire, it is better to maintain your life style than to have to cut back because of financial needs.The best news is that if you can compound your returns at a rate of only 20% for next thirty years, your 45,000 will grow to over ten million dollars.The Foolish Workshop board is dedicated to mechanical investing techniques and suggests many different ways to invext that have over the last 30 years surpassed a 20% compound annual growth rate. Below is a link to the Foolish Workshop.http://www.fool.com/workshop/workshop.htmRegards,Dan
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