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I just turned 40, single dad, have a 18 year old on her third year at collage (she's planning on 18 more months), and I'm $14,000 in "dept" (new van). I have been maxing out my IRA for the last 15 years. I do not know how much is in the account. $545,000 in 2040 mutual funds. $855,000 in...