So I setup my work 401k and did it as follows.
Traditional IRA
- 60% Target Retirement 2045 Trust I
- 20% T. Rowe Price Personal Strategy Growth Fund (MUTF:TRSGX)
- 20% Vanguard Balanced Index Fund Institutional Shares(MUTF:VBAIX)
Our accountant advised that I leave my current Roth as it's own account and don't merge it with any others.
So on top of this IRA as soon as my school debt is paid off - I need to check my interest rates to see if I should even pay lump sums based on how high they are- I'll start investing a decent amount. Hopefully the money will work for me while we save to build another house and we won't have to just flat out save it all!
**Just checked, student loans are at 6.8%**