[mkflsam]

nah, trust me, this is the last forum on the internet i'd brag about having a modest house and one of the cheapest new cars you can buy when everyone seems to be pulling in 10k+ a month.

i just thought my situation was a bit different in that i have some options in either paying house/car off, putting more into 401k, or what to do with 1-2k a month in side income at a younger age, not to mention i'm not even looking at iras right now.

thanks for the advice though, i'll look into putting 10-15% into an international fund. i just figured since all the markets are pretty heavily tied together anyways it wasn't that big a deal.