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- Nov 6, 2007
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This whole financial crisis deal has got me deciding to grow up and think about my future. The fact that I now have an 8 week old is also playing a big part in the "coming-to-age responsibility", I guess you could call it.
I'm 26 years old as is my wife, We own our own house and have an 8 week old. I have a pretty secure (Knock on wood) job with 2 associates degrees in electronics and computers and my wife is a school teacher with her masters.
Anyhow, I don't know much about investing and retirement plans, but do contribute what I can to my 401K, which presently is matched by my company. Well, 2 more years before I get a 100% match. My question to those out there that know this stuff, how about a little advice? I don't have tons of free money to do a lot of aggressive investing nor do I know if this is the time to do so. I don't need to be a millionaire, I just want to be comfortable in the future and be able to maintain a lifestyle for my wife and kids. Do you recommend a financial adviser or are they just looking after their bank accounts and what yours can do for theirs? I know my Grandfather has done well through his, but are there trustworthy ones still out there?
What kind of options do you all suggest? Where should my money be going at this point in my life? How much do I put where?
I'm 26 years old as is my wife, We own our own house and have an 8 week old. I have a pretty secure (Knock on wood) job with 2 associates degrees in electronics and computers and my wife is a school teacher with her masters.
Anyhow, I don't know much about investing and retirement plans, but do contribute what I can to my 401K, which presently is matched by my company. Well, 2 more years before I get a 100% match. My question to those out there that know this stuff, how about a little advice? I don't have tons of free money to do a lot of aggressive investing nor do I know if this is the time to do so. I don't need to be a millionaire, I just want to be comfortable in the future and be able to maintain a lifestyle for my wife and kids. Do you recommend a financial adviser or are they just looking after their bank accounts and what yours can do for theirs? I know my Grandfather has done well through his, but are there trustworthy ones still out there?
What kind of options do you all suggest? Where should my money be going at this point in my life? How much do I put where?