I have one of those fireproof safes with important docs. need to do a review of it but hitting a lot of paperwork things for the next month or so. I should be able to go pretty far on savings if I go into the ira as im over 50. Ill be honest I have almost a phobia about trying to figure out for exactly how long. if I have to I will take the 10% penalty on the ira but im hoping not to since that is 10% less time it will last. what kinda sucks is I could get a phone call which would reverse everything (well not exactly reverse as I will be vulnerable to the same thing with less savings to deal with it. Honestly even if I get something decent im not sure I can save much in the next decade to get to where I was.)