re: Portfolio Allocation, Age, and Years Until Retirement

Probably the most impactful decision was to consistently put away as much as I could reasonable afford as soon as I began my career. My 401k contribution is maxed out and has been for several years. It helped that I changed companies and was able to convert 'company 401k' to self-directed IRAs a couple of times. The offerings by most companies are not aggressive enough for my tastes.