Thanks RJM1. Yes I was worried about the taxes but scared about the investing. According to the statistics it seams like I can't go wrong over the long term. The RP4 seams to be about the best way to go. I just don't know if I truely and totally believe it. I mean 20+ % on average over long term. Why wouldn't everybody just do that and be happy? I can leave it in there for about 15 years. I just want this to be my golden years nest egg of 200k plus. Is that feasible by sticking about 8K in each of the FF stocks and ballancing once a year?