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Now we'll get to the lightning part: Starting early and often is only part of the equation. YOU MUST MAKE GOOD INVESTMENT CHOICES. And even when you think you've made good ones you better review periodically against a benchmark. In this case the benchmark was my wife's account but the S&P 500 is as good as any.

Excellent point, but let me ask did DW make good choices, or just lucky ones? Did she research that fund? Did you research your funds? Has she watched her fund over the last 3 years? Did you watch your funds for all 13 years? If y'all did not do the work, then the results are luck, good and bad. If you did do the work, then you should rub the magic lamp and hope a little of her smarts rubs off on you!

Fuskie
Who reminds you that another 10 years, a lot can happen for both you and DW...
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