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@sophiaaihpos If you have the funds ticker symbol we can probably find it for you.

@sophiaaihpos Honestly this is fine if the expense ratio is low. Go to /r/bogleheads or /r/personalfinance or /r/fire for better investing info. In general buy Index funds of either total market, SP500, or spice it up with some international and forget. There is a saying of VTSAX and relax for...

@childofgodharrison 4% rule says you need 25x the income you replace for what you expect to spend when you retire. For 200k thats 5M.

@childofgodharrison no you should always take the max but the goal should always be 15%. What if you both worked for companies that didnt provide a match? You think 0 would be enough for retirement? The advantages of a 401k are they are sheltered from most bankruptcy and lawsuits. Traditional...

@childofgodharrison Yep

@childofgodharrison No you don't. You need to put in 15% pretax before the match each on your incomes and invest in a target date fund or a broad index like VTSAX. If you have less than 500k invested you are wasting money on a guy who will be trying to make a commission on your money.

@childofgodharrison you have 3k unaccounted for? All of that should turn into retirement. Ouch. You are way behind. Your husband is a contractor and needs to open up a solo 401k or other vehicle. You don't need roth at these incomes you need more traditional.

@ladydenise226 They likely need less than 6M because the VA benefit will likely not go away but they are not prepared to live on just that and social security and are not investing near enough for retirement.