i was only a couple years younger when i noticed i was in about the same predicament... so i sympathsize,just my opinion...i could be wrong...sorry i can't help more: Foolish Two (David and Tom) and knew they were serious and honest about helping others about the market.dangerous. TMF is a business . they don't really care about you, they care about their business. Only your mother really cares about you. This doesn't mean their advice is bad. just that you have to keep in mind their priorities.(rule #1)I've been embarrassed to ask for help until now. The Dow F4 is smart for long term, but I feel(probably panic) I've lost ten or more years of investing opportunity. Should I plan on living a century and go for the Dow approach entirely? i see from your profile you've been lurking around for maybe 6 months... i know it can feel as though you ought to have figured things out by now... but it's a big Site, there's tons of 'stuff' here... and the Market is even bigger. Don't Panic (try not to panic?)everyone has to plan as if they'd live for a century, but live as though they had only six months left. (rule #4)Should I go mainly for growth with small and midcaps in a Breaker portfolio or a combo of both? Any help would be appreciated. you should go slowly and at your own pace. you (And Only You) have to get yourself organized, Learn and decide for yourself (rule #1). YOU will have to learn enough about ,say, midCaps or Breakers to decide whether you'll be comfortable investing in them. [rule #2: "never do anything that might cause insomnia."]look at TMF's 13 steps, take them slowly and at your own pace... Skip Step #7.Obvious suggestions: tighen your belt and start saving Every Penny . open a Roth if you don't have one, use your company's 401(k) if you aren't (and maybe their ESPP). if you think you understand index funds, start with one; if you understand Spyders & Diamonds & Cubes, maybe start there; if you know of one company you like a lot, buy a few shares... otherwise, start with a bank account--just Start. Today.if you're already beyond this level... o well, butone un-obvious suggestion: i've read probably every post on the DOW-F4 board in the past 20 months and have come to this conclusion: the F4 is a Bad bet.good luck,JT
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