Just a few comments,You may be more overweighed in foreign investments than you are planning because a good percentage of large cap companies earnings come from international operations. I don't have a reference handy but as I recall about 30% of the S&P 500 companies' earnings come from international operations. Combine that with some fraction of the revenue for small cap companies operations being from international operations and you have above 50% of your portfolio in international stocks. That seems high.I didn't see any mention of collage savings for your kids. Likewise I didn't see any mention of an emergency fund of at least six months take home pay. You should have both of these. Consider on paying off the car loan early.Greg
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