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The bad news is my partner and I are starting retirement planning later than we should. At 41 and 43 we have about 30K in savings and no other investments. The good news is that we are virtually debt free (other than a 30-year fixed mortgage)and our household income is about 150K take home, so we are free to pile up money quickly.

We own a business and make too much money to real take advantage of a 401K and Roth; I am not able to contribute to the limit because of rules that require me to stay nearly in line with what my employees contribute. We'll still contribute to them, though. Our adjusted gross income may be too high to contribute into a Roth.

The 30K is my emergency fund and is in ING earning 4%. My plan is to set aside 36K annually for retirement. What I'd really like is some guidance on my priorities for dealing with this money.

1. 6K Roth IRA (two of us at 3K annually)
2. 10K into the company's 401K (Vanguard 500 and Int'l index funds
3. 19K into Vanguard 500 and Int'l index funds

I'm starting to read up on annuities, also. Is there anything there I should look at?

Anyway, sorry for the long post. I appreciate whatever time and attention you can provide.
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