re: Long Term Stock/Investments

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I have a buy one get one share free up to 200 bucks a month for my company, but we are a diverse global corporation, so I feel pretty comfortable. 10% of your income on this for a half match in an alternative fuel source is extremely risky, especially if you have no other savings. I put 6% of my income matched half in a low cost index fund.

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I have a Discover savings account that pays 1%, currently I put about 20-25% of my net pay in each check. My company gives us 10% of our base salary for our 401k. Just opened a roth IRA which I will max out each year. So these choices were as a total portfolio builder, not something that I am relying on unless some type of dire emergency happened and I depleted all of my other funds.

We were displaced during the flood and currently saving to buy/begin building our next home in November/December so it will be complete once my wife graduates next May. So the savings will probably be used for the down payment, but the extra stock and personal TD Ameritrade account or for more long term wealth growth.