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Yes, it is 5% FRM.

I do get 10% from my employer (5% match & 5% profit sharing). So I have been adding that to the equation.

In addition, I receive a cash bonus of ~ 10% annually. Maybe I should put some of that towards the 529, and pay for disability ins for the wife.

We are covered in the life insurance area. we have adequate life insurance for both of us. (20 year term)

Thank you.
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