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It looks like I have some things to consider. I do plan on getting married and having kids, (but not today, maybe in about 2-3 years), I do own my home and I would like to retire as soon as possible but I'd like it to be comfortable so I don't have to be a psycho money natzi.

Thank you for the great information. It sounds like I need to learn a lot more about my IRA and mutual funds so I can compare it to others before I move it. Its almost at $10,000 so my no-management fees will expire when it hits that mark.

Thanks again. I'll start at morningstar and see if I can figure this mutual fund thing out.
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