I am 38 and it took me until I was 33 to realize the importance of money management and investing. My current job in insurance has provided the opportunity to turn my financial life around. When I started investing I had $48,000 in miscellaneous debt and zero assets. 4 years later I am completely debt free. I am in the accumulation phase and will be for at least the next 22 years. My goals are mostly to learn from SA and share what I have learned with others. My goals are total return and have my 401k mostly indexed and 30% in international funds. My Roth is primarily dividend growth focused. I am currently long: PM, MO, LMT, UNP, CVX, PG, WFC, XOM, V and KO. Looking to diversify more in the future.