No. of Recommendations: 0
I really like the original breakdown that you came up with yourself. I don't think anyone can say "stocks will do well over the next 10-20 years, and bonds will be a poor investment" or vice-versa. Diversity is the way to go with this much money.

Someone made a comment about her income not looking like she would benefit from tax-free funds - I think she would! At $3800 a month take-home, her income is substantial. Unless it is all tax-exempt income.

If her income is taxable (or already taxed?) then any gains she makes in non-IRA investments would also be taxable.

not an expert - just my $0.02
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