[quote=scaredycat]agreed; the major screwup would be if suddenly my wife said, screw this, and just started spending money we were saving.

50% cash, 50% metals stocks.

I’m going to wait another year or two….or three…

dammitall, my oldest will be out of high school by then. but, y’know, so what….[/quote]

It could be worse. You/wife decide to “invest” in speculation say like in the stock market or some other crap, and lose 20-30%. Don’t fall for it.