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"If you don't have a goal,(eg 60% IRA, 30% taxable, 10% Roth), it's hard to come up with a savings plan."

Agreed, and if you gaze into your crystal ball and accurately predict a few future events: the date of death of yourself and your spouse, future return on assets, future tax rates, inflation, future expenditures, its is probably not difficult to arrive at a right answer.

The real question is if you are wrong on any of these, do the numbers till work well enough to cover your actual needs.

Essentially if your needs are well covered, you need not take any risks. If not, then you must take some risks or suffer the consequences.

No one can make these choices for you.

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