Folks,I'm in need of some advice here. My current situation is as follows:45 yrs oldmarried3 young childrenI am the sole breadwinner, wife is home with the kids...not headed to work anytime soon for some very good reasons.Debts $300K on a $500K homeCar Loan: $16K @ 1.9% 3yrs leftAssets: $700K in Retirement Funds (100% equity-based mutual funds) $15K in a Brokerage acct ( I currently put $400/month into Total Stk Mkt Index Fund in this acct) $130K in 529 plan for the kids $90K Emergency fund in MM earning .9%(yep, that's right)I currently have term life insurance on both my wife and myself( w/ adequate coverage)The QUESTION: I'm looking for my next step into investment, but unsure of where to go. The DOW currently sits at an all time high of 17000. I have 90K basically sitting on the sidelines, losing ground to inflation.What should I do with the next $10K that I want to invest? Where? How?I am maxing out the 401k, getting the largest possible match. My earnings don't qualify me to contribute to a Roth IRA.I don't want to buy bonds in a low-interest rate marketWhere do I go with some measured risk and get a decent return on my money?
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