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Thanks, Joel! This is exactly the analysis that I started thinking about trying to do, and had not yet figured out how to approach. Very helpful. DH and I are still kicking the discussion around. I am definitely not the high-risk high-rewards investor who makes a ton of money. Instead, I'm the sort who buys Very Boring Stocks and then holds them forever. That has worked well except for the one time the Very Boring Utility Company decided to try to become a backbone ISP right before the Internet bubble popped. So a market index is just about right for me. I just want to have our debts paid off too, and it makes me itch to not have it paid off.

DH is even more risk-averse; his sole experience with the stock market before meeting me was his brother's penny-stock gambling adventures, which did not turn out well. Even the index fund makes him nervous, though I think he is growing more comfortable with it over time.

All of which is why this is a long, careful discussion. There aren't really bad choices here, just degrees of risk and degrees of good and degrees of comfort with outcomes. We'll get there.

ThyPeace, we're also combining our checking and savings accounts. Another whole set of discussions there...
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