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Message: [QUOTE="husky429, post: 4465439, member: 6696"] Obviously we have the TRB in CT, so that's the bulk of my retirement plans. The extra saving is more for my wife since she just recently started saving for retirement. We'll have the house paid off by then, so we'll [I]probably [/I]be fine without me saving too (I'll be in the 75% bracket on TRB), but I figure extra money never killed anyone, and I can certainly afford to save right now with no kids around. I max out my HSA and invest it as a retirement vehicle, and max out a Roth IRA. Last year that was, what, 10,000$? I just put all the money in VTI/VXUS and call it a day. I'm sure I'll need to hire someone to help me out when it comes time to start shifting allocation towards bonds in my 40s and 50s, but I'm only 30 and pretty willing to absorb a huge hit to the markets if needed. I just don't look at my accounts more than once or twice a year, so I forget about it. If you happen to be in Equitable right now, it can usually be worth it despite the fees. When I did the math for myself and the two coworkers I've helped wiggle out of their clutches, the expense ratios they were costing were more than taking the money and putting it elsewhere, so I took the hit and moved it to where my other accounts are. [/QUOTE]