where are you on the baby steps? I'd really focus on paying off debts once I had the baby emergency fund (I like 2000, but most do 1000) and not worry about where to invest down the road. Just put your ef somewhere safe for now, I just use a basic savings acct for that. Worry about what to do with your savings (ffef, bs 4 and 5) when you get there otherwise it gets overwhelming.
11/30/10 at 2:56pm