[pennywise]

Thank you for your responses, I have been feeling depressed the last week and you up lifted me. Roth IRA's allow you to withdraw initial investment money only NOT EARNINGS. Make sure you are clear on this. This is one reason we suggest this, the ability to withdraw some money in an emergency without penalty. I do advise you follow the 70/30 split. You are young with a good career life ahead of you if you choose wisely (no nursing, please: I swear; I will not let my daughter be a nurse, she is groomed for a surgeon and choosen orthopedics {says no blood and guts in arms and legs}). Aggressive should be fine. Learn to do your own homework, ask advice, but do what is in your best interest. One thing I did was go into government sites to pull birth rates and did a chart to determine how detrimental demographics is on investments. There will be some effect as we pull money, but remember I said my plan is $1 mil will produce 30,000 in income with SS I should be fine the $1 mil goes to my dtr. Others may think the way I do, so my $1 mil will not be pulled. Have some global. Asian countries have contracted with Kaplan to set up Master's level schools and look at what is on in India. I would consider global, some local, then look to cash deposits in CDs at this time (no fees for this). Oh, consider your fees!!!! That man selling you gets a commission, the company wants profits, shareholders want a bite, so how much is left for you. Control your own money - maybe through online accounts with NO MARGIN so you can't lose. (Do margin when you can afford to lose ONLY). FYI: morgan stanley is FIRING brokers who do not produce $250,000 in commisssions (what does that tell you, what incentive does that broker have over your interest or his). Be FRUGAL BE WISE.