[berberous]

The comments here are all good, but nothing about this question is specific to developers. For those who have personal finance questions, I would highly recommend the Boggleheads wiki and forum:

https://www.bogleheads.org/wiki/Main_Page

https://www.bogleheads.org/forum/index.php

It's filled with the type of thoughtful, over-analytical people that I think the readership of Hacker News would appreciate.