Thanks for the welcome.. I have some vanguard as well. It's a rock solid performer. I also do rentals, 401k, and other ventures. When I can't find anything better, than vanguard is my go to. I'm a long time lurker and a huge fan of MMM. I'm not a diehard, but I'm about 80%. I was doing quite a few MMM moves without knowing it. I was also in need of a few face punches. I'm looking to be FI and "voluntarily" employed to supplement. Cheap money is forbidden fruit. It got me started, but it was also holding me back. My net worth is great, but the payments were making me a slave to the job. Back to vanguard... It's a great tool, but it only represents one card in my hand of five card stud!