GT I have found myself in a little bit of a deficit financially. Not much, right at 3k, but it still bothers me I've sat down and put pen to paper and devised a plan to get out of it. My goal by New Years is to back to no debt (minus mortgage), hopefully before. I also need to squirrel away ~3500 come March time frame for some some long put off vehicle maintenance and a small home improvement project. I also intend to have liquid cash sitting in a savings account also. I am currently employed with a pension program. I have an old 401(k) from a company I no longer work for with just shy of 10k in it. I have started now the legwork to get these funds moved to a new IRA. I have two options, first being the state deferred comp. plan, with payroll deductions, etc., and the second being via a company called M1 finance which has a variety of options available such as typical retirement funds, or more market based aggressive investment programs. I'm now determined to contribute $100 a bi-weekly check to the long term, retirement IRA. Hopefully this amount can go up once I get my stuff square as mentioned above. My real question is I'd like more on top of that, about $75 every other paycheck (to start) going to a different fund. I am considering a Roth for this money, but am also tempted to start funding a more aggressive fund that is a little more stock heavy. What all do you say. Which stocks have been good performers for you? Any advice? My knowledge, admittedly, is slim. At my old job, it was just the 401k, auto w/d. Since I left that, I've not deposited a cent, and as stated above have this pension, but I want to actively begin to save more. Break this down to Pre-K terms for me. I'm approaching 30 and it is time to stop putting this off and making a more active approach. If I need to provide more information, I can.