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Thanks you guys! That clears up a lot. So to summarize, the two major investment vehicles available (401(k) & IRA) for retirement will grow individually and there is no way around it. If I want a joint investment then we can put a chunk of our income into something else after our retirement plans are setup.

BTW - we came to find out that her employer doesn't actually offer a 401(k). They offer an "Individual Investment Plan" without employer matching. So it's identical to going to Vangaurd (or some other broker) and opening an account ourselves there.

After reading most of the Retirement section of the fool (thanks Fuskie), I think that to start off my wife and I will consider the following.

Roth IRAs from Vangaurd invested in an Index fund. We will divert 10% of our incomes initially and increase it until we are slightly uncomfortable with the pinch on our current fun-money.

So my question is how can I be sure that my Roth IRA account is free of as many fees as possible? Will I get a clear cut statement every month or will I need to watch out for specific terminology at the beginning (mainly the word “fee”)? Is Vangaurd as good a place as any? What does NoLoad mean?

You guys rock!
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