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I'll try to keep this short, but bear with me. My MIL passed away unexpectedly this past Dec. Five days before their official retirement from a lifetime of working on the family farm. There are no words. On top of everything else, it was my MIL who did all the finances and retirement...

Does anyone have a portion of the portfolio that is truly speculative and how does it figure into your retirement forecasting? The reason I ask is about 1/3 of our total investments is currently in VGENX. It is the fund that ate our account- and I'm having a hard time talking to DH about this...

37 planning on retiring in 15 years or so once kiddos (2) are in college. We have 500K for retirement: half in "retirement" accounts (401(k) and 2 Roths) and the rest in a joint account. We are traditional 60/40 vanilla Vanguard Target 2025 retirement fund, some TIPs, international and Energy...