<prompt> Human: Despite the mobs interest in tar and feathers a few people actually held a personal finance discussion. There were a couple themes that came up, income and asset allocation. Im not ready to address income primarily I dont have my tax records from more than a decade ago readily available so I am going to address our asset allocation and comment on it.401ks - 39 Right off the top the majority of our wealth is not touchable for the next 20 some years without penalty. We tend to select low cost index funds for 80, international 10, and bond funds 10 and rebalance twice a year.IRAs - 19 Another large chunck of assets that is not available for day to day living. Again we prefer low cost SP 500 index funds here.Taxable Investments - 16 These are stocks. I hold 6 issues as discussed yesterday. One is from my company as part of my compensation comes as stock grants. The remaining 5 are set up as DRIPs and all have low PEs and high dividends and provide diversity to each other. In the 10 years I have contributed to them I have only sold off two losers and replaced them. While this money can be pulled out with a commission trade I treat it as unavailable for day to day living as well.Home Equity - 14 I really wish this was higher but the market where we live is still down from its peak. We bought our house in 2006 to support what we wanted in a family. Good neighborhood with best in state public schools, a nice yard, good parks nearby, etc. Against the wishes of the first mortgage broker, whom we fired, we put 20 down and took a fixed rate loan. He wanted us to put zero down and invest the difference in speculative property. Fuck him. We re-fid last year to a 15 at a disgustinly low rate.Cash - 10 This may seem like a lot but having been through 3 job losses between us, a cancer fight which threatened my ability to earn, and seeing my Father die owing more than his assets could cover we dont think so. At our current expense level this could last us over a year without any income. Its unlikely we would both be unemployed for a year but we have plans to reduce expenses if needed. We also carry disability insurance should something happen to our health that would stop one of us from working. This cash also supports our extras such as family road trips, home improvement, etc.Other property - 2 I dont count cars in here because they depreciate. Not to mention at 9 years old my wifes car isnt worth much. We do have a few collectables that make up this balance. Though they have value and are insured as such we dont have them for their investment properties, rather we appreciate their intrinsic value. Needless to say, most of our net worth is not touchable until retirement or liquid. A number of you said its easy to attain net worth with high income. Id argue that on two points. First, Ive seen numerous threads over the past year or so in this sub with other high income people on the verge of bankruptcy because they spend every penny they earn and then some. Second, when I was earning 1,000 a month while my wife finished school we still managed to save money by living within our means then as well.  <response>: Did you have a question? 