Originally Posted by GogglesPisano

Yup. Any low-fee mutual fund can beat most "highly talented" hedge fund managers.

Max the 401k.*
$10000/kid/yr into a 529.*
Max out the HSA.*

Stay away from toys.
Don't get divorced.
Pay off your debt.
Keep your FO house.
Spend money on experiences, they're proven to have a higher ROI than "stuff."

*All in plain vanilla low-fee funds.

That will be $99. Thank you.