Thanks for the input. As far as our financial savvy well unfortunately we wouldn't be this far "ahead" if my mother inlaw hadn't passed away a few years ago. The life insurance my wife received is what allowed us to pay off all the debt we accumulated. My wife had stopped working to stay home and take care of her.The points regarding living for today make sense. We both want to travel when we get older/retired. Why not take a few trips now as long as we aren't neglecting our retirement. My wife has been hounding me to go on a cruise sometime(she even mentioned that Queen Mary 2 as if we got that kinda money lol) but being trapped at sea isn't a priority of mine.As for the AMT man I hope that doesn't get us.Now I jsut need to figure out how best to devide the money between the simple, 401k, roth's and taxable acounts.Thanks again for the input,Brad
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