They invest only enough in the Thrift Savings Program for federal employees to receive the full employer matching benefit, the rest of Michelle's salary funds two Roth IRAs and any income left over gets invested in the stock market.
That last part is the only place they're going wrong.* You just cant beat those TSP funds.* Not only are they index, and given Traditional IRA like benefits, but also the expense ratios are like 0.02%!* *On top of that, if you enter federal service at 25, you can leave at 55, and have full access to the money then, and not have to wait until 59 1/2.* *Or heck, you might get offered an early out as early as age 50, and have access to it with no penality.
They should be maxing those before investing in the stock market.* The Roths are great though.* Good move there.
TSP funds > all!* *