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Thank you everyone for your responses and advice. The interest rate on the student loan which some of you were asking is 6.7%. And the actual amount is 58,000 not 45,000 as I previously thought. This really put a damper on my forward momentum that I had. Me and my wife had a talk and decided...

Thanks. I will have to check Vanguard. Sent from my iPhone using Early Retirement Forum

Thanks. Looks like Utah is still among the best as per what I have seen Sent from my iPhone using Early Retirement Forum

Hello everyone. Been trying to get a 529 plan going for my daughter. Have been researching on savingforcollege.com. Since NJ does not give me any tax breaks I'm looking for the best plan. Also thought on enrolling directly through the 529 plan itself or using an advisor. Just wanted to get some...

Thanks, spending time with my wife and daughter is what I enjoy doing now. The problem is looking for the free stuff to do. Yes we went to the beach often this year, but also had dinners at the restaurant every time we went. From now on put into the retirement fund, then go out to eat if we can.

Congrats, yes I should have invested heavily money 5 years ago. Now the problem is what its going to do in the next 5 years. Start investing and then another crash....this is were I am scared and lost. Why I will be doing research on how to invest.

Thanks my friend,I know it is not an easy task, hence the plea for help here on the forums.I would love to retire early if possible, but retire comfortably at the minimum.My wife is on board. Spending is usually vacations, and big ticket items such “want” items, motorcycle and third...

Thanks everyone for your input. I and my wife were nervous and hesitant about investing our money. We have realized that our savings is not doing anything in our savings account that's for sure. We come to realize that there is no other way to do it without taking risk. No way we could pay...

Thanks, I started looking at Vanguard since many people here use them. I am in aggressive investment goal, but could not really tell you exactly where the money is. I just looked and saw that high percentage was in Large caps, value and growth and international. Then a smaller percentage in...

Yes, I am trying to learn everything about our pensions to invest accordingly in the future. Going to start tracking and adjusting. Thanks

I hope the snowball is fast. I feel like time just goes by so fast. I am trying to keep it simple, but this sounds difficult when you say find some index funds to match your ratio! I will pick it up with reading the forums and books I ordered. What 529 plan did you go with? Thanks.

Thanks for the information. Yeah, I feel like I am late to the game. I was looking at all the 529, but NJ does not give any tax break so was thinking of going with out of state with low fees and performing well. So difficult to choose. I will tackle one thing at a time. But so much to do...

Saving were to maybe invest in a multifamily home or income property. No more cars. Will be checking on that interest tonight, I know I should know! No Roth accounts, but looking into it. Any advice? We are putting in only 5% each of our income currently. No contributions.

Thanks I have no CC debt at this time. I pay off every month. No employer matches, just the pension and the government 457 plan. I guess I will have to look into the Roth IRA. This way I have a retirement income invested in both pre-taxed and taxed. Any advice on setting up the Roth IRA...

Thanks, It will be difficult changing lifestyles. Yes I will start tracking with Mint. I’ll have to dig into the rates on the student loan. We have no 401k through our employment. We have the deferred compensation plan (a government 457 plan) and the pension. I hope to stick with it.

Hello everyone. I am looking to start planning my retirement. I have been searching the forums and see that I am way behind on my planning, WAY BEHIND! A little about me, us. I am 34 years old, married with one child (1). We plan on having another one day. My wife is 33. We live in NJ...