Good on your wife and daughters for getting good deals. Will they support your move towards funding your retirement? I hope you are not feeling too miffed by our suggestions that you forgo some short term thrills of acquisition for the long term benefits of a comfortable, free of money worry, retirement.
Since your daughters are home schooled, perhaps they could gain practical research skills by finding the best interest rates and then compare/contrast benefits of credit union/savings a/c, CDs and Money Market over 4 quarters. 2nd research two index funds like Vanguard and Fidelity and compare with index EFT. It gives the girls a jump start on understanding how investments work and when they transfer what they have learned to you, the info will lock in the back of their heads.
As jpg and others have mentioned, the internet allows you to put your savings in a broad range of financial institutions whether brick and mortar or electronic.
Compliments for taking the first step + learning specifics of your employment pension plan.
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