[BeL0wMe]

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One last thing: Should I be putting money in a SEP-IRA or do I have less to gain if I use tax-efficient funds and a 100% equity portfolio? I don't love the idea of locking up money for over 3 decades, especially as my expenses could change or I might need to convert investments to cash if I wished to move back to high limits in poker.

I guess I'll have to do some more research/thinking.

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Jeff you can take your initial investment out of a Roth with no penalties, so there really is no reason not to have one, unless you hate money.

Also I like the portfolio alot, three things you might look at adding are a good Mid-Cap Growth fund, like FBRVX, FBR Small Cap, which has a turnover rate of around 3%, and is ridiculously tax efficient, an int'l growth fund, I like JAOSX (Janus Overseas), but since you seem to like Vguard, you could always add VWIGX, and some REIT exposure, but with subprime now is NOT the time.