I have reviewed many of the postings, and there seems to be one common thread. EVERYONE needs Serious Help!! I mean this in a postive manner. I am a Financial Planner and I would be happy to answer any questions, however, my first statement is,... go talk to a local financial planner. Talk with a few of them! Every person (and their financial viewpoint) is different. Not earth shattering news, I'm sure, but basic beginning point! If there was one product, or one way, it would be easy to be a planner. There is no one single solution, nor is there one book, or concept that can fit perfectly into all plans.