Recent content by 4thand11

I know many people who have spent thousands on lessons and have not improved one bit. Whether that's the fault of the teacher or the student, is tough to say. I am not saying lessons can't help but they are not a panacea. Even with a good teacher a lot of practice is required which not all...

Many thanks for all the replies. To be honest I don't have a good handle on our spending yet. I guess I'd better work on that first. I do try to "pay myself first" by putting money into my 401k above and beyond what is required for my company match. However I agree with those who say I...

Hello! This is a great forum, have been lurking for a while. I am 48yo male and live in NJ (suburb of NYC). I currently have approx $310k in a 401K. My wife is 44 and has a job with a govt pension. She's been there 21 years and plans to work until she's 65 (she likes her job!). So she will...