Bogleheads.org

All, I'm 44 years old, married, one child... middle class, Central NJ $125K in annual salary $40K in Stock options this year $30K in BOA savings account $20K Wife IRA CD $150K in my 401K, 100% in PTTRX - 4.5% max - employer match On year 12 of a 15 year $150K mortgage @ 5%, current value $225-$250K ...