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Oh and FYI, I noticed when you click on Flexo, under Author's blog section, it goes to Sasha.
Strange how similar our situations sound... are you my doppelgaenger? :)
You must really enjoy your employer, knowing that you could make more elsewhere, plus making much more on the side. A very envious position to be in! Congratulations, again.
A good combination.
Regards
Common wisdom says you should keep paying yourself first 10% into your 401k.
Uncommon wisdom says to also pay yourself first 50% of any payrise or 'found money' (eg tax refund check; spare change; etc.), preferably outside of your 401k so that you can actively invest it.