Thanks for the reply David! Very informative. As far as other questions go, its hard to narrow it down ha. I've been contributing to my 401k as well as an IRA with USAA, trying to figure out the best allocations there. I'm actually waiting for my funds to clear from my bank account. I plan on making that first step into the market on Monday for individual stocks. I've done quite a bit of research so we will see what happens there (any suggestions?). As far as the 401k goes, would you recommend a target retirement fund? I had that originally, but I just recently changed the allocations because I'm seeing much better returns in other areas. I went with a 75/25 stock/bond split. I chose some index funds that seem to be doing very well this year, as well as past years. Also, what would you recommend for my IRA? I previously had an income fund, but that was blindly picked years ago. I just changed it to a much more aggressive index fund. Should this compliment the 401k somehow? Sorry for the long winded reply, but you asked for it :PThanks in advance,Ryan
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