@Leslye Fulwider Glad that you watched most of the videos. Have you taken any actions based on the info yet? I see you are auto investing, but were you doing that prior to joining the group? Also when you say researching the sweet spot? What are you doing for research. I want to help you figure it out.

@Leslye Fulwider yes bonds are meant to keep the income and value steady (protection) and offset the volatility of stocks. However the stocks are what leads to growth and have the potential to really grow your money over time. You are totally right that if your goal is to try to grow your money as much as possible then converting to bonds too early will limit it. How long before you want to retire?

Let's go!!

@Roni J Thank you! Yeah, many people aren't aware of it. So glad you are enjoying the info. Let me know what questions you have and please share helpful info you find as well!

@Roni J you can still contribute and invest money to it to help with healthcare needs. At the end of the day it's another way to invest money and the money is tax deductible. Also after 65 you can use it to pay for medicare premiums. You just can't do it if you are over 65 and already enrolled in medicare.