Well, I did until just very recently. But the truth of the matter is, I was broke at age 44. Had a bad experience with my own business. Moved to a new town and a new job. Had an employer who always thought about himself first, but was forced to do for his employees what he did for himself. Stayed with him for 14 years and accumulated about 55K in retirement and profit sharing. Invested 39K in '87 and went to work for a University as Purchasing Director. Now have 110K in an IRA, about 10K in a brokerage account, 90K in a 403(b) and 35K in a TSA. I will be questioning you all on your advice as to where to go with what as soon as I have some answers, like the last post. Thanks for your help; again I have enjoyed my working career.

hvyevy2