Thanks for the responses so far. I have already opened an IRA, but for some reason I am not as hung up on what to invest in, particularly because the annual limit is so low relative to the 401(k). I also feel that my IRA account (currently at Sharebuilder) is going to be a lot easier to control if I decide that I want to reallocate my assets occasionally. I'm not sure why, but I do feel like the 401(k) money is going to be more "out of reach." anyway, thanks a bunch for the responses, and feel free to add anything else :) -joel
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