Thank you, Creditcardfree,
I don't know if I'll ever work for another private company again where I can roll those initial retirement funds into their retirement account, or are you talking about just placing it with another "holding" company where it will be invested? It would be wonderful if I could just stick it into my teacher's retirement, but I'm VERY sure they won't let me do that. The account it's in now I think only pays about 2% a year.

*heavy sigh*
I need to start to get ALL of my financial ducks in a row. The older you get, the faster time flys. Eight years doesn't really seem that long to get things together and prepare for retirement when you're busy doing other things.
Thanks for all the help so far,
CJ
