I have 3 kids under 10. We live debt free, own 2 used cars paid with cash and rent for $600/mo. I was tired of watching our Roth IRAs grow by %10 in 10 years in loaded mutual funds, while the S&P500 beat our Roths easily. With the help of Seeking Alpha authors I started buying stocks about 10 months ago. Up about %50 over all (+/- %10 in a given week due to high beta small cap growth stocks) Very excited about the opportunities ahead. So far I have done very well at picking stocks and timing my buy-ins. I need to learn when to sell. Any help or advice is welcome. I do this part time reading a few hours in the evening and on my phone at work. Thinking about doing this full-time.