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Jeff is in Denver.

Hey, Jeff, what's up?

Hey, Dave.

I am so excited to talk with you guys.

So my wife and I are now passing into retirement age.

We've been following baby steps since I think we first got married and only recently came across, you know, you guys.

And we're going, wow, this is really neat.

But so, Dave, we, to cut to the chase, we've saved about $5 million.

Way to go.

We just finished paying off the house.

We really have no debt.

But we're listening on the radio today, and you guys were saying, well, you should invest

and make 10 to 12 percent.

And I'm like, how the heck do you do that?

Well, the S&P 500 has averaged 11.8% and that's the stock market.

Okay, so just, I mean, obviously you don't want to put all your eggs in one basket, right?

I mean, or do you just want to invest in a S&P 500 fund? I don't know, Dave. That's what...

Well, I have my investments in growth stock mutual funds across four categories, growth, growth

and income, aggressive growth, and international. And one of the ways I pick the fund is I want to pick a fund

that has outperformed historically the S&P.

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