heheyaha...time for another Itchy & Scratchy (Rolo & Azannon) episode! :^
25...nice. What are your goals? What is your time horizon? (When do you want to retire?) Identifying the "end" is part of deciding the "means".
You are looking at 15+ years, so embrace risk, capitalise on it.
Check the IRS pubs on this, but I think your wife has to have her own IRA account. I ceased doing the married thing a long time ago, so I am not too privvy on those tax laws.
Build your cash reserves for emergencies and for when you move back to the States. You may find that buying a house rather than renting is better. Barring exhorbitant interest rates, home loan money is cheap, finance it all and keep your cash invested. (Even if interest rates were high, returns on fixed investments would have high yields as well. cf. the Carter years <shudder> )
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