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Sorry, you are correct. It would be $21,000. I will edit. I was unable to find the expense ratios on the Target Retirement Portfolios. I'm not sure why it isn't shown on the prospectus.

Emergency funds: Yes Debt: $257,000 Mortgage at 4.25% , $13,745 car loan at 2.99% Tax Filing Status: Married Filing Jointly Tax Rate: 25% Federal,6.84% State State of Residence:Nebraska Age:Her 33 Him 36 Desired Asset allocation: 85% stocks / 15% bonds (Not sure) Desired International allocation: 20...