jIM_OHIO - thanks so much for the detailed recommendations. Reading your responses have been very thought provoking and will help to provide a framework for some of our longer term planning. It is very timely as my wife and I have spent a lot of time lately discussing our financial state and goals. I am realizing that we have not had much of a financial plan at all to this point. We have been focused on increasing our income, paying off our debt, investing in our 401Ks, but not with an end game in mind. I appreciate your help.
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