HELP!! I'm just now starting investing for my retirement (I'm 25). I have 5 percent of my earning in a TSA account (stock index 40%; intl equities 20%; and small cap index 40%), and want to increase the amount to 10 % of my annual income. HOWEVER, I have just read "F4 Investment Guide" and am willing to make foolish investments and earn money to use at the same time (dividends?) I don't have a lump some of money, but am considereing continuing with the 5% and start investing in DRP's accounts. Any thoughts or opinions wil be greatly appreciated!!