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Thanks for the response,

As for quality, the 401k's are in 2 fidelity funds, and 2 american funds, both with 1 growth and 1 small/mid companies, mainly US.

I went back and looked at the major holdings, and for the most part they're what you'd expect (a lot of "Stock Advisor" companies, and that makes me feel a little better).

My goal was to retire at 68, but hey, if all goes south, maybe 78 will be the new 68!

Will hold for now and see how it goes.

Thanks again.
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