Just a working stiff that has finally emptied the nest. Years of single parenting and getting hosed by re-organizations, downsizing, right-sizing, layoffs and other corporate shenanigans have left me short of my plans for retirement. So, the bulk of my holdings that came from the 401k's and buyouts have been rolled into professionally managed care to comply with the criminals at the IRS. (I was too busy to even attempt to read their rules) And now that I've taken a job overseas that pays me well for my years of professional technical experience, I am building/managing my own portfolio via free trades in my brokerage account at my bank. The goal is to build cash, buy smart, grow the bottom line and be diversified enough that market ups and downs are no biggie. The plan is to pinch the pennies and stuff the basket so somewhere around 2020 I can go fishing.