Welcome to the forum. How about some information about you? Age, location, status toward retirement, etc.
Lots of excellent knowledge and experience here, stick around and read up. Share your ideas and we all benefit.
The advice we're giving you is invaluable, that's why it's free
Experience is a good teacher, but the tuition can get expensive real fast
Semi-Retired 7/1/16: working part-time ( 60%) for now [4/24/17 changed to 80%]
Retired Aug 2, 2017; age 53