[josie]

Thanks for all the great advice. I agree that putting it into a savings account with a 5.0 + interest rate would probably be a good idea and to also take some time to wait before I start any drastic investments. However, I also know that it is close to the end of the tax year and I think doing the 8,000 for retirement would be good.

Vanguard Target Retirement 2050 Fund Summary- I came across this and found it pretty interesting, anyone else doing this?

Another question I thought of is should I contribute a certain amount to charity for a tax break?( I don't mean this to sound insensitive, I just thought of it with the tax year)I'm not sure what the limit is.