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Originally Posted by DatingGold
IRA and ROTH IRA are tax free.. you there are also college funds that have very good tax advantages..
I'm assuming Tony is your son.
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Tony is her husband
You each need to get IRAs and then go from there. I'd look at real estate after that, especially since we're located in an area that is going up steadily (not booming like CA/NV/AZ, but still steady).